BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2015-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXNCXXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
- In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You MUST By law and the settlement remove the following my Bankruptcy and all accounts in the Bankruptcy. 
I have sent over XXXX letters and they have been ignored. 
XXXX Settlement reached in XXXX FCRA class action by : XXXX XXXX. XXXX Last week, plaintiffs in a Fair Credit Reporting Act class action against XXXX sought preliminary approval from a Virginia federal court of a settlement reached by the parties. 
The foundation of the plaintiffs ' claims involves alleged incorrect reporting of Virginia state court judgments against individuals. Specifically, that, in its consumer reports, XXXX lists judgments as unpaid, even though its records do not contain information on the current status of those judgments. The plaintiffs claim that this is in violation of a credit reporting agency 's duty to follow reasonable procedures to assure maximum possible accuracy of information contained in a report. 
According to the motion, the parties have litigated for over five years ( one of the two cases was initially filed in XXXX, and one was filed just this year ), stretching through discovery and into " extensive motion practice, '' including class certification. The parties entered into mediation, which reportedly ended in the proffered settlement. 
Under the settlement, XXXX will pay {$3.00} XXXX into a settlement fund for class members " who are most likely to have suffered credit injury, '' remove Virginia General District Courts judgments from the credit files of all persons ( class members or not ) for a period of no less than five years and provide to all class members four years of XXXX credit monitoring services or {$180.00} in cash. Any class members who believe they suffered actual damages as the result of an inaccurate report containing a Virginia General District Court judgment can reserve claims for those actual damages. 
Public Information Bankruptcy XXXX Experian XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XXXX/XXXX/XXXX Reference # : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : XXXX Court : US BKPT CT VA XXXX Liability : XXXX Exempt Amount : XXXX Remarks :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Convergent Resources, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. 

I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX filed a judgment against me for an unpaid loan ; however, I was not aware of this because the information was sent to an old address that they had when I entered in the loan agreement. I did not know about the judgment until I pulled a copy of my credit report in XX/XX/XXXX. The first judgment was filed in XXXX XXXX but it was closed. Then they refiled in XXXX XXXX and because I was n't aware of the judgment, I did not appear in court so a default judgment was awarded in XXXX XXXX. The credit bureau originally showed XXXX XXXX on my credit report as the filing date back in XX/XX/XXXX ; however, they have since reported the filing date of XXXX XXXX even though that is not the correct filing date. It is my understanding that a judgment is only permitted to appear on my credit report 7 years from the filing date not the award date. Therefore, this judgment should be removed immediately. I do not have a copy of the original court paperwork because I never received it but I have sent the attached document that was obtained on the court website to all XXXX credit bureaus but XXXX & Experian will not remove the item or update it & the filing date remains XXXX XXXX. They advised me that they verified this information and the information they are reporting is correct. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed various accounts that Experian has been reporting incorrectly. I received an email on XXXX/XXXX/16 that my results of the processing of my dispute were available online. I logged in to see the results and despite their legal obligation to correct or delete inaccurate, incomplete or unverifiable information they failed to do so. Instead of reporting complete, accurate or verifiable information they instead removed positive payment history, changed the date of the inaccurate delinquency and closed my dispute regarding the XXXX XXXX accounts. Now they are not only reporting inaccurate delinquencies on those XXXX accounts but they are reporting incomplete information because they have removed 2 years worth of positive payment history on this account. They have also added the following to each account : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. This is in fact not my statement and I do not want it on either of these accounts because it is being portrayed as my statement which is both misleading and outright false. I have had to dispute numerous accounts on my Experian credit file and despite their claim to have verified the information they continue to not only report inaccurate and incomplete information but information that they could n't possibly be verifying with the creditor because the verification does n't exist.

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 2022-06-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Peak Acceptance, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our loan   XXXX  , still waiting for Deed of reconveyance, paid in full and remove lien. I have called spoke to  XXXX  several times and sent letters asking for my deed of re conveyance, satisfaction of mortgage and letter of paid in full. I was told on Friday   XXXX   XXXX  ,  XXXX  said she will call me back on Monday, she will see what 's going on in the legal department, this is what she tells me every time I call, she has never called me back.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-02
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 I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-08-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Requested a Formal Debt Validation Request in XXXX 2016, XXXX 2016 and XXXX 2016 and have yet to receive this information from the company.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The bureau has made this process extremely difficult to remove these unauthorized inquiries from my report. I submitted an FTC report with my indetification and proof of address. 

I submitted the inquires that were fraudulent as well with dates. 
XXXXXXXX XXXX XXXXXX/XX/22 XXXXXXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX 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 2020-12-30
Company: Experian Information Solutions Inc.
State: TX
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:
I feel bluntly ignored by the bureaus I sent out certified mail to them on XXXX and to this date 60 days later today on XXXX I have not received a response pertaining the disputes that are unverified and misleading and that was placed onto my account without knowing 100 % if it actually belongs to me. I found out that my information was impacted by the XXXX  data breach so my information could have landed in the wrong hands. I demand these accounts listed be deleted. 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 explanation
Consumer complaint received 2022-10-17
Company: SYNCHRONY FINANCIAL
State: CA
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:
Unauthorized transactions were placed using my amazon synchrony card in XXXX. I reported the transaction to the bank, and the bank started investigating. After the investigation was over, I received a letter stating that the items were sent to my address. However, I have never authorized these transactions.

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 2015-09-08
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Complaint number XXXX was filed with your office regarding a new loan that Ocwen disbursed on my account that was requested by me, I never signed the loan documents and apparently did not get the credit for the loan disbursement dated XXXX/XXXX/XXXX in the amount of XXXX. When Ocwen responded to complaint number XXXX they did not address the loan disbursement or the new loan number XXXX. We have asked Ocwen 's foreclosure attorney to validate the debt that it is attempting to collect on Ocwen 's behalf and they have failed to do so to date. The only response that was received was a copy of the XXXX Mortgage Promissory note a copy of the deed of trust and the order permitting the XXXX XXXX, XXXX foreclosure. We asked for amounts claiming owed to the foreclosure attorney and we did not receive a response. The foreclosure attorney, through a XXXX XXXX XXXX notified me that the sale scheduled for XXXX XXXX, XXXX will be held. To date XXXX and XXXX 's website shows that the sale will be be held tomorrow XXXX. We have no information regarding the validity of the loan disbursement and requests for payments related to loan number XXXX. A representative in Ocwen 's office informed us today that the Ocwen as the servicer is the same as the creditor and that the loan disbursement was paid by the previous servicer when the loan was transferred.

Company response to consumer: Closed