BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: MA
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: Billing dispute for services

Complaint:
XXXX XXXX  had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by XXXX which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this XXXX forced me to hand over {$1100.00} or more on an acct that they were tons over and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!

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 2018-09-15
Company: EQUIFAX, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: LEXISNEXIS
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:
I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. An FTC report has been summited and is attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing is the company that has my mortgage. I purchased this home in XX/XX/2005 as a sole borrower. I experienced job loss, death, and illness and fell behind in my mortgage. During the entire time SPS turned me down when I reached out for assistance. While I was unemployed and asking for assistance I was told there was nothing that could be done by them to provide assistance to because I was not working. When I became employed and reached out for assistance in regard to the mortgage being delinquent I was advised that they only had programs to assist unemployed borrowers. After getting married and asking for assistance with my spouse with our joined income over XXXX SPS advised that my spouse and I did not have enough income to be able to afford a modification, and work out plan. I was rescued through XXXX XXXX XXXX and they provided a XXXX payment to SPS and my mortgage was reinstated. After the mortgage was reinstated and applying again for assistance with a rate reduction alone with only my income of XXXX per year SPS stated that I can afford this mortgage and that there was no available options. I was quoted a reinstatement amount of XXXX in XX/XX/XXXX that would bring the mortgage current in XX/XX/XXXX. On XX/XX/XXXX SPS received a XXXX check from XXXX XXXX XXXX  on my behalf and I would begin making payments in XX/XX/XXXX with a current mortgage. This has turned out to not be accurate because SPS is quoting on the mortgage statement that I owe {$1600.00} in other charges. I speak with SPS often and this amount was never mentioned and I am unsure of where it is coming from. I will attach the last two mortgage statements for your review. In previous complaints filled by me on SPS I have accused them of racial discrimination and with the last statement I am assuming it to be fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
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: Information belongs to someone else

Complaint:
My information has been stolen and compromised and as a result several accounts are appearing my credit report. Ive reached out to the major three credit bureaus and have gotten any response. Enclosed is the following fraudulent accounts appearing on my report : 1.XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3.XXXX XXXX Acct # XXXX 4.XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # 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 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
CAPITAL ONE is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank attempts to call me about five times a day, bugging me at work, lying to me about a payment plan I completed and not offering to help the debt relief. Those were three XXXX XXXX monthly payments to get the account current, waiving late fees. The late fees did not get waived and now the account is not current, they're lying about waiving the late fees, and they're not providing any help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15
Company: Receivable Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2016 XXXXn I have contacted this company numerous time to be removed off my credit report. They have removed it on my XXXX and XXXX credit report. I did not have any business with this company and I need this to be removed off my XXXX account immediately. 

The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been receiving multiple phone calls from XXXX XXXX XXXX XXXX regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked XXXX XXXX XXXX multiple times for them to stop calling my employer and they still continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: Commonwealth Financial Systems, 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 information incorrect

Complaint:
On my XXXX credit report, it shows two collection accounts that 1. Was paid by an attorney for a car accident insurance settlement 2. I have never received a statement showing that it had not been paid in full by my attorney 3. I believe these accounts were removed from my credit report and have now reapppeared.

The two collection accounts are as follows : A. XXXX XXXX for {$240.00} B. Commonwealth Finance for {$320.00} I can not get any information from the credit bureau regarding these accounts. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received statement from XXXX XXXX XXXX for total balance {$3700.00} that I did not make purchase. I am living in XXXX, and the purchase was made at XXXX XXXX FL. As soon as I received statement, I called Saks to put on fraud alert. I was told the purchase was made via phone and it was under investigation, the representative told me someone will call me back, but 2 weeks passed by, nobody has called me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: U.S. BANCORP
State: IN
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:
On XX/XX/XXXX I started the online process of an " auto loan pre-approval application. '' Through the process I decided not to continue, declined submitting of the application and closed out of the site. U.S. Bank still ran a hard hit on me which I do n't see how they could have done this even if I had gone all the way through because it was only for pre-approval. I spoke to someone on XX/XX/XXXX and was told it would be removed and that maybe if got to the point of no return and still somehow submitted something, but it is still on there. I am wanting to make sure this is removed from my XXXX report. 


NOTE for CFPB : My birth date is XX/XX/XXXX not XX/XX/XXXX like it keeps going to once I go to the next screen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Ocwen Financial Corporation
State: IA
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:
Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXX and XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. 

Now Ocwen has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and  are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX ( we are not sure which company we should be dealing with? ).  We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in  XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX 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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NV
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 Reporting Act the following companies has violated my right. 
XXXX Collection Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: EQUIFAX, 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:
My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX  XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX  XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: General Motors Financial Company, Inc.
State: MI
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:
Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: NC
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:
I have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.

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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2018 I sent notarized documents to TransUnion CB ( driver license, social security card and mortgage statement ) requesting them to update all my personal information on my credit report and this company refuses to do so. I got divorce and remarried 5 years ago, so I have a new last name and they do not want to remove my previous last name. Note that all my open and current accounts have been updated for a long time. 

Can you help me please. I believe TRANSUNION should change my all personal information for my credit report to be accurate. " I AM NOT LONGER HAVE XXXX XXXX as my legal name '' and my current personal information is the following, all others information on my credit report is completely inaccurate. 

My full name is XXXX XXXX XXXX ( changes last name 4 years ago ) My social security number is XXXX My present and only address is XXXX XXXX XXXX XXXX XXXX, MD XXXX ( living here for almost 6 years ) My present and only employment is XXXX XXXX All others inaccurate personal information needs to be remove from my credit reports. 

THANK YOU IN ADVANCE, 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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX  ACCOUNT OPENED XX/XX/2015 {$11000.00}

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