BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: DC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019, I disputed the XXXX with the credit bureaus and requested a method of verification on how they verified the late payments. Now they have added late payments to closed accounts for XX/XX/2019 when these accounts were closed 2 years ago. 

After speaking with XXXX an Experian representative he informed me that no information has to be verified, They just leave it without proper investigation.

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 2018-06-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed Chapter XXXX in XX/XX/XXXX, and XXXX was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.

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 2018-06-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been involved as a Defendant in a contested foreclosure action. I have both attempted to settle the matter and disputed the validity of the alleged debt. Unfortunately, several attempts to modify the loan were either botched or were not serious offers. I was forced to file bankruptcy to stop the sale of my home. 

There was an approved loan modification offer sent by mail which was sabotaged in XX/XX/2018 by the Ocwen/XXXX attorney XXXX along with my Bankruptcy attorney. XXXX made several token offers which did not appear to be serious. During this time, I attempted to access the Ocwen website and found that my account was blocked / flagged. My attorney has asked for a break down of arrears in which we received no response. Our calculations show the balance to be close to {$110000.00} where Ocwen claims a balance of {$150000.00}. 

I represent myself in bankruptcy and I am told by Ocwen to speak with an attorney. I am now pro se and my attorney friend is only consulting and assisting in certain areas. I informed XXXX XXXX numerous times that I represent myself and that information must be released to me only. The trigger to these events appears to be the discovery by bank Attorneys that an approved loan mod was sent " inadvertently '' in XXXX. 

The loss mitigation/loan mod program run by Ocwen was designed to fail in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy

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 2020-07-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 Midland Credit Management sent a pre legal no it's threatening to sue my XXXX   son. They have been sending pre-legal letters for the past seven months and threatening to withhold his social supplemental income check. 

Midland credit management is aware that people receiving social supplemental income is judgement proof, however that has not stopped them from threatening to sue my XXXX, XXXX son. 

This has caused for him to relapse in his mental progress as his XXXX and XXXX has gotten worse. However, Midland Credit Management does not care and have been putting pressure on our entire family. Midland Credit Management has already sued me, his mother, now they are threatening to sue my XXXX, XXXX son.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I filed a dispute with Transunion concerning a student loan that was reported 90 days late. I provided documentation provided by the creditor that showed the account as having been current for the past three years. The account was never late during the time disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The creditor provided three separate lines of credit, two of which were reported as late. On XX/XX/XXXX, I was informed by Transunion that the investigation had been completed, but when I checked my credit online, only one of the two disputed lines under the same account number had shown as " current '', and the one that was now current and had been reported as late, still showed a missed payment in XXXX which is not correct. I was negotiating to purchase a car under a limited time offer by the State of California 's vehicle retirement program that would provide a down payment towards the purchase of a newer vehicle. That offer would expire XX/XX/XXXX. I had no additional time to wait as another dispute would take 30 days. Therefore, when the Transunion score came back as XXXX, but my XXXX and XXXX  scores showed a corrected report of XXXX after only 24 days since filing the dispute, I was only offered a rate of 7.99 % APR and had no choice but to accept. Transunion 's error and failure to correct the report within 30 days has resulted in an added cost of potentially more than a thousand dollars on this loan. I have asked the new creditor to check the Transunion score as of today, XX/XX/XXXX and provide a lower interest rate based on the corrected information, but they are under no obligation to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I submitted {$70.00} + fees on PayPal to XXXX for the purchase of a digital concert ticket. The individual immediately blocked me on all social media, not sending the ticket, yet still took my money on PayPal. It has not given me an option to dispute it through PayPal, but Im hoping thats possible to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13
Company: Orions Management Group, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon notice of derogatory account in the amount of {$550.00} ; I submitted a written complaint to both XXXX  and Orions Management Group from XX/XX/XXXX to XX/XX/XXXX. 

Original Creditor balance show {$0.00}. Orions Management Group reported false information to XXXX to damage my creditworthiness after the purchase of a vehicle stating I owe their collection agency {$550.00} since XX/XX/XXXX. Their actions has a high impact on 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 2018-05-01
Company: Experian Information Solutions 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:
Hi my name is XXXX XXXX I am contacting you because once again XXXX XXXX 2018 experian credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.

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 2019-09-13
Company: CHARLES SCHWAB CORPORATION, THE
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Charles Schwab. I was on a website on XX/XX/XXXX and tried to purchase something for {$56.00} but immediately realized it was fraud. I immediately called Schwab to ask them to stop the payment as it was fraud and they put in a claim. I received emails on XX/XX/XXXX from XXXX XXXX from the claim department asking me a few questions. She then emailed me and said they were denying my claim. When I spoke with her over the phone she said she had called me many times, which she had not, and emailed me the merchant contract info to request a refund, also which she had not. I asked the before the transaction even posted to reject it and they did not. She also never sent me any information on the merchant so I could contact them myself. I literally have no contact information or website to go to to try to get my money back. While I was on the phone with her she gave me a number that is a fax number. I would like to know how she called them on a fax line. I want the rejection of my claim approved as if they would have just denied it before it cleared like I requested I wouldn't have this problem. Now I'm out {$56.00} and received no product or service and have no one to call or contact to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My account with BBVA Visa Card opened XX/XX/2019. Within one year and 2month period, my BBVA Visa card compromised three times already because someone made a fraudulent charges and when I reported to BBVA they BLOCKED the card and replaced with new card. I live in XXXX XXXX XXXX and these fraudulent charges from XXXX where BBVA have more activity. look like, someone inside BBVA leakage the information. When I reported about this, the representative of BBVA do not take serious and see why within one year they have to issue fourth card and they have to blocked the previous card. My husband also have a individual account with BBVA also and he also had similar issue. I do have other visa cards from other bank but no one have this issue last many years. LOOK like BBVA have a problem to keep consumers information correctly and provide credit card information ti other and they make all these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am and XXXX XXXX veteran with free health insurance. I do not pay for health coverage because it is supplied to be freely. And if anybody has any debts that they're trying to collect from me it is only because they didn't followed the proper procedure and file the proper paperwork to get the veterans affairs to pay them back for emergency services. This is totally messing up my credit and affecting my livelihood and it's been happening for years now I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX   XXXX {$590.00} XXXX XXXX XXXX   XXXX {$1300.00}

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 2020-11-15
Company: GLA Collection Company, Inc.
State: KY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Experian continue to report a derogatory account on my credit file of a company called XXXX XXXX XXXX. There is no payment history, no date of default and the balance owed and account balance show inconsistent amounts. I have reached out to XXXX XXXX XXXX and informed them that I did not open this account and to submit proof of application. They just sent me a computerized bill and refuse to send me the contractual obligation. XXXX  and Experian just keep reporting the account as verified but refuse to furnish the method of verification. I was successful in having the account removed from my XXXX  profile for lack of proof of ownership ; however, XXXX  and Experian have been noncompliant. I would like to file a complaint against XXXX  and Experian for illegally reporting inaccurate and derogatory information on my credit profile and their refusal to comply with demand for verification of reported account of XXXX XXXX XXXX ; and XXXXXXXX XXXX XXXX for lack of diligence in helping resolve this serious issue.

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 2019-09-13
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The original debtor cleared the debt in XX/XX/XXXX. They removed the accounts from my medical record and did not further communicate with me outside of sending a letter confirmation that I owed a XXXX balance. 

On XXXX XXXX, XXXX, I received email notification that 12 accounts were added to my credit as derogatory marks. When I contacted the original debtor they could not help and that they did not clear the accounts ( again, I have documentation ). The collection company is lying and saying they made contact with me about this and that these items have been in collections for years - I have screen shots that these accounts were added on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I finally found my BK papers, so TransUnion has nowhere to hide. XXXX XXXX was on my bk like I said before.

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 2018-06-21
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:
I submitted a dispute for inaccurate history on XXXX XXXX account. XXXX XXXX did not provide proof of the " late payment history '' however the information stayed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Credit Plus 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: Old information reappears or never goes away

Complaint:
creditor still reporting and it's been past the two years of when the inquiry was established. Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have payed this debt in full over a month ago and they're still contacting me and have put derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2018-06-13
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/18 I made contact XXXX XXXX to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( XXXX ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on XXXX 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.

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