BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
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 fraud alerts or security freezes

Complaint:
I recently applied for credit. It was brought to my attention by XXXX and XXXX that there was a freeze on my Experian credit report. I called Experian and learned someone placed a freeze on my report on XX/XX/2021. I never requested a freeze with Experian. I never gave anyone permission to add a freeze. I had no knowledge there was a freeze on my consumer file. I believe Experian placed a freeze on my credit report without my knowledge and without my consent. This is egregious of Experian. I have since removed the freeze. All telephone calls are recorded and there will NOT be any recorded phone calls of me requesting a freeze. Also, there will be no letters including accompanying personally identifiable information ( photocopy of ID, social security card, utility bill, etc ) requesting a freeze. I demand to know why Experian unlawfully placed a freeze on my report without my knowledge or permission.

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 2018-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from XXXX, Transunion and XXXX. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.

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 2018-07-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from XXXX, XXXX and Equifax. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX COMPASS BANK XXXX XXXX  XXXX XXXX AL XXXX XXXX XXXX COMPASS BANK Account Number : XXXX Balance : {$9700.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : COMPASS BANK I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING XXXX DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2021-01-26
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: Information belongs to someone else

Complaint:
For the past 2 years, I have been actively disputing 2 accounts listed on my credit report that are not mine. I have provided proof that the bill belongs to another person and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the means of verification, when asked.

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have been a victim of identity theft.

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 2021-01-27
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received messages on XX/XX/XXXX from my father 's wife and another friend stating they were a state investigator XXXX XXXX trying to locate me in regards to a case file. and to call them at XXXX with a case number XXXX. They told my father that they are part of XXXX county district courts and needing to serve me court papers in regards to committing fraud. Then 30 mins later my sister 's ex husband that lives in a different state trying to locate my sister to contact me. My sister called to find out who it was and was informed that I had 3 charges pending and said they were a location services company. I called to find out what it was and at first they said they were a law firm and stated that they will be serving me pages at my home to go to court for criminal charges of check fraud. I asked them if they were collections and they said no they are a law firm through Connecticut, but works for locating me for XXXX county district court. Charges are pending because I owe money to Check and go Payday loans from XXXX or XXXX. Said they have a right to charge me because the charge off date was XX/XX/XXXX. Threating to press charges if I do not pay the balance XXXX which is the balance of {$640.00} plus late fees. They said it was the balance of and only if I pay the full amount with late fees could they stop the court case. I informed them I can pay if i can get a documentation of what I owe and where I can send the money. The rep threatened again saying if I cant pay it over the phone then have a good day in court where I will be charged with check fraud and XXXX 's of dollars in fees. I have a screen shot of the message that they sent to my old phone number and a voicemail link of the message they left for my sister to locate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

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 2018-03-30
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:
I have tried and tried to fix this problem. I cant afford to pay someone to fix this problem. I will try again to explain the problem. On my credit report there are 2 incorrect information and I would like to have them corrected. The first is the XXXX. It was paid in full. It states that it was sold to another company. That company is XXXX XXXX. I paid this account in full. I have sent copies to you before but it still has not been changed. The other account is with XXXX. This account was sold to XXXX XXXX XXXX. I paid them in full. It still states that it was not paid. In the collections part of my credit report it states that XXXX  was paid in full. Its a duplicate account. I have sent copies of the information to you before but it still hasnt been changed what do I have to do to fix this problem? Thank You.

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 2020-09-04
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: Was not notified of investigation status or results

Complaint:
In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 30 days.

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 2018-03-30
Company: EQUIFAX, 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:
I have tried and tried to fix this problem. I cant afford to pay someone to fix this problem. I will try again to explain the problem. On my credit report there are 2 incorrect information and I would like to have them corrected. The first is the XXXX. It was paid in full. It states that it was sold to another company. That company is XXXX XXXX. I paid this account in full. I have sent copies to you before but it still has not been changed. The other account is with XXXX. This account was sold to XXXX XXXX XXXX. I paid them in full. It still states that it was not paid. In the collections part of my credit report it states that XXXX  was paid in full. Its a duplicate account. I have sent copies of the information to you before but it still hasnt been changed what do I have to do to fix this problem? Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX  and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.

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 2021-01-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH provided a IRS 1098 form that is incorrect in multiple respects. The total amount of mortgage interest paid in XXXX is wrong - the company applied XX/XX/XXXX payment to XX/XX/XXXX instead of showing the payment made on the last day of the year. Also, the IRS 1098 form has an incorrect " Origination Date, '' reflecting a date in XXXX when the original date of the mortgage was in XX/XX/XXXX. These errors reflect sloppy accounting practices, and I am worried about how PHH is conducting its business. When I telephoned, the company I was able to speak to a manager who is in XXXX. The erroneous IRS 1098 form has large tax consequences for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX XXXX {$390.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX {$220.00} XXXX XXXX XXXX/ XXXX {$12000.00}

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 2018-07-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Unauthorized Credit Inquiry I recently received a copy of my XXXX, XXXX  and Experian credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.

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 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.

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 2019-01-15
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They have reported negative items on my credit report. The amount is {$150.00}

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 2018-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Unauthorized Credit Inquiry I recently received a copy of my Transunion, XXXX  and XXXX   credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.

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 2017-08-03
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My vehicle loan was taken out in XXXX of 2014 with Wells Fargo. I provided proof of insurance at the time of purchase. Almost 3 years later, Wells Fargo contacted me to inform me that they never received insurance proof, had charged me their insurance premium, and charged fees for delinquencies on my account. My credit report shows that I was late on my vehicle payment, which I never was. I provided proof of insurance at that time through XXXX XXXX. They still charged me for their insurance and late fees and it remains on my credit.

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 monetary relief
Consumer complaint received 2018-07-12
Company: CBV Collection Services Ltd.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
While talking with XXXX XXXX at XXXX XXXX XXXX about the debt in question I disputed the validity of the debt. After getting him to send me an email of what was owed and to whom I informed him that I did not know this was on my credit report and I would be disputing the entire debg. It was at that time I was called various names and profanities. This seemed completely unaceptable for anyone, especialy someone talking with people all day. After XXXX   the company and person I found that this is something this person does to alot of people. I received another message saying that the conversation was recorded and hope that can be used to stop this for anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX responded to my last complaint, which is posted in my CFPB file, that ALL the collections against me were being deleted.

As of today XXXX  and XXXX have done so.

EQUIFAX however, has deleted all but one.

Why is Equifax still showing the one? I suggest they do as XXXX has proffered as settlement to my complaint.

I am hoping it was just a mistake on Equifax 's part.

Company response to consumer: Closed with non-monetary relief