BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXXXXXX is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX  card that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
XXXX clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. XXXX  XXXX  also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..

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 2020-10-03
Company: Dynamic Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company keeps calling me, I do not know who this company is. I told them to stop calling a month ago. This is harassment and I want it to cease immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen continues to deny our application for modification due to " Investor and Loan owner do not authorize modifications ''. No further detail as to why the investor and loan owner will not allow modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I could not log in to my experian account with my username and password. i thought in first instance that i forgot my username and when i click forgot username, Experian sent my username via my email which was the same i used to log in initially. When i applied it to the link sent experian link stated that that user name not found in their system hence could not move further i contacted via email same link sent without result. I called Experian customer service # and the first information automatically asked was your social security #, when i entered that options available will not allow me to speak to a live agent. This problem been going on for about 3weeks now and what so frustrating about it was i was sent a link to give review on customer satisfaction i did not do yesterday. Experian is the official credit reporting company to my XXXX XXXX XXXX. i cant request my credit report at this time.

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 2016-10-26
Company: North Dakota Housing Finance Agency
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am so devastated and so very disappointed with my mortgage company " North Dakota Housing Finance Agency " I was unemployed for 9 months trying to figure out a way to keep from losing my home. I was told by them there was nothing they could do because I had no Income. I was on-line checking daily for different programs that could help me. Every time I found one I would call NDHFA to see if it would work. but every time it was " they did n't predicate in that program, or my loan was n't through that program. Mean while they had started the foreclosure on my home. When I was served I called they attorney on the summons and was told I had p I needed to respond to summons. I asked how do I do that. He then said because I had called that was a responds. I then asked what do I need to do so I can stop this, I was told I had plenty of time but to basically come up with the past due amount. The only thing ND Housing Finance Agency Offered me was a repayment plan XXXX a month which I had a job in XXXX 2016 but that was all I was making, so they extended it to 12 months and it was XXXX but I still could n't afford that. Mean while I find out my loan is through the XXXX which means if I default on my loan, XXXX will pay the private financier for the loan. Then because no-one else was at the Sheriff Action for my home the ND Housing Finance Agency bought it for XXXX and telling me I need to pay XXXX by this Friday XXXX XXXX 2016 before XXXX XXXX. The North Dakota Redemption Laws : Title XXXX chapter XXXX / Title XXXX chapter XXXX / Title XXXX chapter XXXX It states I would have to reimburse the purchaser ( the person or entity who bought the home at the foreclosure sale ) for the full price paid paid at sale, plus interest. I 'm not trying to get out of paying for my home I would just like something that could work for both of us. Like the Forbearance Program and remove up front hurdles to make it easier for unemployed homeowners. The Mortgage Forgiveness Debt Relief Act, Helping Families Save Their Home 's Act The Real Estate Settlement Procedures Act. 
Please Help Me Save My Home!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX car payments were on autopay. After 36 months ( and all timely paid ), there was an unexplained balance of {$54.00}. I complained - and would not pay without knowing why - and they did nothing except notify the credit rating services that I was a late payer. I have never been late in XXXX  years of paying my obligations My efforts at dealing with them have been totally unsuccessful. 

I request your intervention.

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 2017-04-24
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX / XXXX / XXXX  I sent a certified letter to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  regardin g one   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of th at I want to inform that the same debt was already dispute with Southwest Credit and fully de leted on  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: CREDIGY USA CORP.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
While my son and I were backing out of the driveway a towtruck swooped in and blocked the exit. The driver jumped out and started chaining my car to his truck, I got out of the vehicle and approached him and he punched me in the face calling me all kinds of distress. I am a wounded veteran with  XXXX  and a  XXXX   XXXX   XXXX  and having this happen caused all kinds of distress. The driver called me all kinds of names in front of my neighbors and continued to try to tow my vehicle with my son in the backseat. My wife called the police and the police made him release the vehicle to me in exchange for not pressing charges against the driver of the truck. I was left with no options due to the sergeants strong suggestion of not pressing charges. The driver continued to humiliate me in front of my house in the middle of the day, and the police threatened to leave me alone or they would arrest him. To this day I am still embarrassed to be seen by my neighbors. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XXXX XXXX, 2017, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced Transunion, XXXX and XXXX. 
There are no problems shown in the Transunion or XXXX reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a credit report.

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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : TRANS UNION Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2020-10-03
Company: Experian Information Solutions Inc.
State: VA
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:
For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( s ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a XXXX of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX  ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX University.

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 2015-11-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted to fax the number I was given to from Chex-systems to send in a copy of the police report that I have filed with the XXXX County Sherrifs office and the fax continues to ring busy. I was denied opening a checking account based on fraudulent information reporting and it is very important that this matter gets resolved immediately I called the customer service number who recommended me mailing the information to their address but I need this matter resolved yesterday. I am attaching what I have attempted to fax to them on several occasions but continue to have issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: DISCOVER BANK
State: DC
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 report act XXXX  account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a loan with XXXX XXXX the last four digits of the loan account were XXXX. 

In review of my Experian Credit report I am seeing that XXXX has only made minimal entries that the Credit Bureau sees. 

1. - Only three entries for the Balance of the loan 2. Only two entries showing the scheduled payment amount 3. Only one entry showing an actual payment of {$520.00}. 

I would like these entries to be corrected and complete for the time I had the loan with XXXX until I paid it off.

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 2022-09-16
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:
The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2022-05-28
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- Pease send validation of alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 

If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
i have had several issues with coinbase, they don't have ANY customer support and make it impossible to resolve issues and problems. i made a 4 figure transaction on coinbase this morning that never arrived, and i have NO WAY of getting support from them. How is this MAJOR financial institution allowed to operate without ANY customer support?????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : 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 a account without my written instructions Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number 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 2016-09-27
Company: Centric Asset Management Inc
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Centric Asset Management has called my personal cell phone from the phone number XXXX XXXX XXXX XXXX XXXX XXXX or five times with a live person on the phone, and once with a robo-call. The live phone calls indicate that they allege I owe a " payday '' loan, which I never applied for nor received. They indicate that they have " authorization '' of some sort from a bank that I already made payments and therefore admit I owe the debt. They have my personal bank account number and other personal information, including the names of my sister and mother. I have asked them multiple times for substantiation of the debt, and they always refuse. The robo-call on XXXX XXXX, 2016 indicated that they were threatening to debit my personal bank account if I did not otherwise make arrangements. 

I did not and do not owe this debt. I do not know how this company has my information, but they will not substantiate the debt. They do not tell me they are debt collectors when they call me. They argue with me about the debt. They have called me multiple times during one day. I believe they are violating the Fair Debt Collection Practices Act if they are an actual company. Otherwise I think they are just a scam company.

Company response to consumer: Closed with explanation