BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've disputed XXXX fraudulent accounts : XXXX XXXX XXXX ( account no : XXXX ) and XXXX XXXX XXXX ( XXXX ) with Experian, XXXX, and XXXX Credit Reporting Agencies. I submitted my Id, social security card, Police Report from XXXX Police Department and Identity Theft Victim 's Complaint and Affidavit in order to block and remove fraudulent accounts. The credit reporting agencies have deleted these XXXX accounts. Recently, I was doing my refinancing and discovered tha Experian Credit Reporting Agency reinsert XXXX XXXX XXXX and XXXX XXXX Services accounts back to my credit report. Please help me to resolve this problem.

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 2015-04-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this bankruptcy before several times with XXXX & Experian and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but XXXX & Experian has fail to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had disputed XXXX XXXX account with Equifax as I was a classmember in Class Action TCPA, Case # XXXX XXXX ( MDD ) which settled and XXXX was court ordered to reimburse clients and remove their reporting from credit bureaus. Equifax is not obliging with that and my class action settlement is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind on my mortgage payment this year. My mortage co. was holding XXXX $ in a suspense account I sent them about XXXX $ XX/XX/XXXX cashiers check because they kept returning my payments I would send them a check as the arrangement that was made between the account mgr and myself. He accepted the arrangements. then the arrangements were not good enough. I was to send XXXX $ every 2 weeks. They would take almost 2weeks to cash my checks then charge me more fees. My XXXX is no where to be found and I have been sending my payments via certified mail to ensure they get them My accont is way behind with all their fees they keep changing where my missing $ is and they keep threatingto forclose on my house. they wont fix my account or tell me where my missing $ is I got a payment report from them it says the money was returned to me I never got it and they cant tell me the check # or when it was cashed and it has not been applied to my account.Ever since this company got my loan they have done nothing but mess up my account from the 2nd month they had it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX 2005, I signed the mortgage on a property that my wife was purchasing. I did not signed the note. The property was further awarded to my former wife at divorce. I have requested the servicing agent OCWEN to delete this account from my credit report. Ocwen has denied my claim. I have requested copy of the original NOTE, OCWEN has not provide, they has stated that they do not have it. I have exhausted my efforts to get this matter corrected, unfortunately, Ocwen does not want to correct this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called to report a lost card. Spoke to an offshore help desk. They said they would replace the card and I would get a new XXXX in the mail within 2 weeks. XXXX4 weeks later I call again. They have no idea or zero record of me calling.l, and have mailed nothing. They asked for all my info again, said they would mail a new card. The next day I received the SAME card I had lost. I had to call again and get them to send a proper NEW card which would take another two days. Almost a month from my first call. Terrible customer service and zero comprehension.

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 2016-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Experian credit reporting agency is doing what they want on my credit report andd then lying about who is puting these alerts on my repoert I'v called in about the alert on the XXXX of XXXX to make sure that it was being or has been removed and i was told it was to recieve a letter in the mail that they have place another alert on my file and has stopped all credit offerswhich i did not authorize this a XXXX time. There are XXXX credit file for XXXX one is XXXX that I did not owe XXXX any money i paid a partial owing XXXX dollar balance and they turn my service off the only way i could use my phone was to pay the other XXXX which i did and they place a bill for XXXX dollars that i do not owe i disputed this and they continue to verify but i have been asking to show me thelast bill paid and how it was paid as proof. other XXXX bill was charges placed on an account that was not owed for wiring because my home had caught fire and it was suppose to be a reconnect and then they try to bill me for wiring on an reopen account I do not owe them any money I disputed unauthorized credit inquires that are on my report that i did not authorized, that are constanlty be verified as correct. the last account is XXXX for XXXX that they continue to verify as my account without any proof 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 2020-04-17
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 at approximately XXXX XXXX, I contacted Grant & Weber, a collection agency located at XXXX XXXX XXXX. XXXX XXXX in XXXX, CA XXXX, regarding two accounts on my credit report that do not belong there. Both accounts are for two medical facilities. I was fully insured when I visited these facilities and my insurance was billed in full, however the facilities participated in a practice known as double billing where they sent me and my insurance a bill in order to collect a double payment. I notified Grant & Weber of this and was told that they would not remove the accounts. The representative I spoke to refused to give me his name and he interrupted me and became irate. I was then told to call back when you decide you want to listen, and hung up on. I called back and asked the operator if it was common practice to treat customers like this to which I was given no response but was transferred directly to an unknown voicemail. The accounts that are in dispute is an account for XXXX XXXX XXXX XXXX in the amount of {$190.00} and XXXX XXXX XXXX XXXX in the amount of {$550.00}. I have disputed these accounts through XXXX and XXXX with no resolution.

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 2016-11-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
IN RESPONSE TO EXPERIAN 'S PARTIAL RESPONSE TO MY COMPLAINT # XXXX - THEIR RESPONSE IS TOTALLY INADEQUATE AND MOVES ME ONE STEP FURTHER TO FILING A LAW SUIT AGAINST THEM AND TO GOING TO THE MEDIA ABOUT THEM AND THE INSTITUTIONALIZATION AND COLLUSION OF THE CREDIT REPORTING INDUSTRY. THIS IS THEIR LAST WARNING. THEY CLAIM THE ADDRESS I SUBMITTED IS NOT ASSOCIATED WITH MY EXPERIAN CREDIT RECORDS. THAT IS A TOTAL AND INTENTIONAL LIE- I JUST PULLED MY FREE ANNUAL CREDIT REPORT AND IT IS EXACTLY (! ) THE SAME ADDRESS AS IS ON THEIR REPORT. THEY WILL BE SUED WITHIN 30 DAYS IF MY ORIGINAL COMPLAINT # XXXX IS NOT RESOLVED TO MY SATISFACTION.

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 2016-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried 3 times in 6 months to get my free annual Experian credit report on line and by phone. On line does not do anything and no one answers the phone.

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 2016-12-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX is reporting a collection account from XXXX on My XXXX, XXXX, and Experian credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed 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 explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Experian credit report investigation is being requested at this time. 

Thank you, 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 2016-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Most of the the securely question about my last credit history cant not be answered bc I have nevered applied or had a home mortgage in my life. And to answer how much is my mortgage a month I do n't know the answer bc I never had or applied for a mortgage in my life. I was looking through my Experian credit report on my phone a min ago and before the site crashed Ive seen XXXX CREDITED CHECK 5 TIMES ON XXXX. Half of this must be fraud bc the only time I step foot in a XXXX store was a few weeks ago just to browsed. please I have to this issue resolved bc this is fraud.

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 2016-10-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As it is. Im not sure how the Identity theft gained access to my credit report and personal information such as my personal accounts ssn, dob, and etc. Experian refuse to investigate the nature of this issue properly. Experian only sends my personal information to the orginal creditors, debt collection and etc to verify those items. Experian do not issue an accurate investigation. Im Irate! Please Help get this matter resolved soon. Thanks!

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 2016-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I tried to obtain credit from XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Experian on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!

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 2015-06-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have mailed in my information to the bureaus advising I am not disputing the information on my credit report however, I still have accounts showing they are in dispute and they should not be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
Synchrony Bank, XXXX XXXX. This company advertise that you can make free payments through the automated account via telephone. The first time I had the issue was in XXXX. I called two days in advance approximately around XXXX in the morning, it stated it took the payment. I called back on the XXXX after I noticed my account had not been charged the payment to only find out it did not take. I was provided a confirmation number. So of course my account was charged a late fee and I was not late. With the automated and technology their system have record of me calling making a payment, even though they state there is nothing. The late fee was waived, but it should be removed completely as I was not late. 2nd issue, I called and tried using the automated again to make my monthly payment, it recognizes my phone, but then when you go to the automated, it will not let you put the payment you are trying to pay, it keeps asking the same questions over and over. Its a scam, directing the consumer to a customer service rep which charges a fee for paying as the automated will not let you pay. Needless to say, my payment did not get posted and again, I received another late fee. I called and complained about the issue of not being able to post a payment on the due date as the company advertises. 3rd issue, tonight same thing, called tonight to make payment and of course the automated will not let me do the payment again, it could n't get past the amount to pay. I kept indicating I wanted to make the minimal payment, it would not go past this. I requested an operator who waived the XXXX dollar fee, as I informed her I was filing a complaint against this company. The sad part is I have a JC Penney account that has the same bank and I do not have any issues with making payments, online or automated, but this credit card is the worse. This company is scamming people, manipulating the system for consumers to incur late payments or incur the cost of speaking with a rep to make payment as the system is not allowing you to go through the prompts via the automation. This company should be audited and all funds charged should be refunded to the consumers. A class action needs to be brought against this company as its ripping us the consumers off with its fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The end of XXXX XXXX I disputed XXXX information on my credit report with United States Court District record to justify my claim. Experian sent me a Credit report with the explanation that it could not use United States District Court documents to change or delete you requested.???? If I have United States Court District documents how is it I can not use them to prove that XXXX account that they are referring to was transferred to XXXX. That they have not been associated with this account since XXXX XXXX. That I have never had an individual account with them, that I have never applied with an account with them and I have never been associated with their former company name XXXX XXXX. How is it that this company has more authority than United States Courts?

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 2015-09-14
Company: High Point Asset Inc
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
My coworker received a call from High Point Asset on her personal cell phone. I called the company and spoke with XXXX XXXX and he stated that my loan with the originator was paid off but XXXX people actually lend the funds to me and that i needed to pay the other XXXX loan companies back. I asked him to provide a copy of the contract which states that my loan was with XXXX different companies and to provide me with the original company that I received this payday loan from. The gentleman refused and I instructed him not to contact my employer, coworker, or anyone else looking for me. XXXX then stated that he will continue to call until I pay off the other XXXX companies. He stated that he will not furnish me a copy of my contract. The number they called from is XXXX -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.

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 2016-06-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Continue to call a number that they have been asked not to use. We were told that they deleted the number from their system. Obviously, they did not.

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 2016-08-10
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
submitted a dispute to Equifax directly regarding account # XXXX for Audit and Adjustment. This was a collection account that we disputed, found to be correct, and then paid the account in full. There is a XXXX balance. Remarks state that " consumer disputes this account '' and we are now trying to buy a house. The credit report can not have any accounts currently disputed when getting approved. Therefore we have disputed the account remarks and just recently called them to ask them personally to remove the " consumer disputes account '' under remarks because we no longer dispute it and we paid it in full. Audit and adjustment says they can not remove that remark under comments section.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Wise Finance, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from Wise dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation