BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
RE : XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$140.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, MT XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$140.00} XXXX Experian needs to have this Entry immediately removed from my Report. This was disputed with XXXX and they sent a letter stating they requested these items to be removed with the CRA. I am not late on paying a bill, expecially this {$140.00} bill that does not belong to me! 
It is erroneous and I will file an AG compaint against experian.

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several data breaches including the XXXX data breach, the XXXX  data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

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 2017-10-14
Company: Rosebud Economic Development Corporation
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I initially filed a complaint with CFPB about Rosebud Lending ( AKA XXXX ) on XX/XX/XXXX ( Complaint # : XXXX ), stating that I had taken out a {$1000.00} loan with XXXX in XX/XX/XXXX, and since this time, I have paid over {$4000.00} in payments to this company. Yet, they were still trying to say that I owed them ( at the time ) {$1800.00}. When XXXX responded to the compaint on XX/XX/XXXX, they wrote the following at the end of their attempt to justify these expenses : " In an effort to resolve this issue, XXXX is willing to accept all payments made to date and close out your loan as settled in full. '' However, it is now XX/XX/XXXX, and I am STILL receiving daily emails stating that I owe a past due amount of ( it increases EVERY day ) {$2100.00} and that they will be sending me to collections. I have sent them a copy of the original CFPB complaint with their response on THREE separate occasions, and every time nothing changes and they act like their compaint justification never happened and they do n't have to honor it. I know for a fact they 've gotten these emails, because I always get a response back stating " Your request has been received and is being reviewed by our support staff. '' I want this account completely closed out and XXXX out my balance like they stated that they would do, and I want these harrassing phone calls and emails to stop.

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 2022-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having all different kinds of problems with my mortgage loan servicing provider. Please look at complaints # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. 

I suddenly owe - {$2300.00} or something in my escrow account I am not sure why. I believe that I was told that while I was in forbearance that I had to pay {$390.00} and that this was going to be applied to my escrow account to pay for my taxes. I am not 100 % sure on this and I dont have a recording, but I do believe this is what they said. I am not sure why I owe a negative balance in forebearance. I think this is 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 2022-08-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my 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 2022-08-25
Company: BARCLAYS BANK DELAWARE
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:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: NC
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 recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several data breaches including the XXXX data breach, the XXXX  data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

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 2022-08-16
Company: EQUIFAX, INC.
State: NJ
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 account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX associates account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX have violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, SXXXX XXXX account # XXXX, XXXX XXXX associates account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX have violated my rights.

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

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 2022-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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 act.the following accounts have violated my nrights. 

1 ) portfolio rtecovery assoc account # XXXX XXXX ) XXXX  XXXX  account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: DE
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:
The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been harassed by the collection company called Pressler & Pressler. I am a retired and XXXX person whos only income comes from my XXXX XXXX XXXX and XXXX XXXX XXXX. My checks were not direct deposited, therefore my bank allowed my account to try to be levied by Pressler and Pressler in XXXX XXXX. Funds were frozen, but I provided documentation as proof of my income and the levy was lifted. My funds were returned and notes were taken so this matter would not surface again. Since then, and as of today XXXX/XXXX/XXXX I have been receiving phone calls from Pressler and Pressler asking if I can make monthly payments. I explained to them that my income is exempt and that I am on a fixed budget at the moment. I also offered to settle both accounts ( I have two with them ) and offered an amount, which they did not accept. I am a XXXX person and these calls are disrupting me. I would like for Pressler and Pressler to cease and desist. I need them to stop calling my house. Any help in this matter will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted experian numerous times in regards to a collection from XXXX XXXX XXXX XXXX that appears on my credit report from Experian. I 've tried for the past year, to get this sorted out. Under the FCRA I have the right to ask how my dispute was processed and who they contacted for the information. I have done so, and they always claim they investigated the dispute, and it is accurate. How do they deem that its accurate if they ca n't even tell me who they spoke to? I disputed this account online in XXXX 2016 and most recently XXXX XXXX. I would like this account removed as there is no relationship between myself and 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 2022-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received documents about my proposed forbearance on XX/XX/2022 from Select Portfolio Servicing. I looked through my documents and it seemed that there was a signature page missing, but I was not sure. I went online on XX/XX/2022 and felt really lucky that SPS actually upheld the forbearance because when I downloaded the documents from their website I was actually missing several pages including the signature page. I never signed to approve my forbearance. I was very happy that all three times that I called SPS confirmed that they had not been tricking me and that I was really on forbearance and that all I had to pay was {$390.00} and that they still confirm that I was on forbearance. Thank you SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: JPMORGAN CHASE & CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Since XX/XX/2019, I have been in constant contact with the company wherein " late fees '' have been charged to my auto loan. My acct comes due on the XXXX of every month, and I have made every payment ( less one ) on the XXXX, XXXX, or XXXX depending on which day my payroll falls at the first of the month and immediately drop it in the mail. This was understood by me and the company when I purchased this car and was told this wouldn't be a problem. On the single one late, I gladly paid late fees for is wasn't the companies fault. 
With the combination of where I mail my payment in, and the way the company processes my payment, it generally never clears my account for 8 - 10 days. 
Because of this time frame, the company insist that this is my fault and I have to pay additional fees therein. 
Granted this is not a large amount, but there is a principle involved. 
I have made every effort to speak with the company and they treat me extremely rude and continue to say this isn't their problem but mine. I have 3 payments left on this loan and today they have told me as long as I have late fees outstanding, I will not be given my title and they can repossess my car. 
This is not right in my book and would appreciate any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Ocwen Financial Corporation
State: TN
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:
I entered into a trial modification agreement with  Ocwen  Mortgage and accepted the 3 monthly payment option from them. The initial payments were due   XXXX   XXXX  2017   ,   XXXX   XXXX    2017  and   XXXX   XXXX    2017. Although I  have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with  XXXX ,  XXXX  or  XXXX . These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by ocwen is negatively affecting my  credit score a nd potentially keeping my score from being higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I applied for a credit card through XXXX XXXX in XXXX 2016. I received a rejection letter originating from XXXX XXXX, Creditor dated XXXX/XXXX/16 stating that the reason for my rejection is as follows : CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 
To quote XXXX XXXX, " Rumors of my death have been greatly exaggerated. '' I 'm not so interested in getting the card, but I would like my information to be accurate. What do I need to do to correct this?

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 2022-03-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX  XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: DE
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 are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under 15 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.

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 2015-07-20
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the entry for a mortgage foreclosure with XXXX Bank on Experian. They investigated and put the date of XXXX 2015 as the date of foreclosure on the account. I disputed the incorrect date of the foreclosure on my Experian report and they did nothing to correct it. I attempted to get them to fix the information to reflect the correct date of the foreclosure and they will not allow any additional changes to the data on the basis that it has already been investigate. XXXX and XXXX are showing the correct info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am currently in the process of interviewing for a new job and all three bureuas have that I left my current job in XX/XX/2021 which i 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 non-monetary relief