BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2016-02-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
mailed check on XXXX/XXXX/XXXX for {$3300.00}. was rcvd on XXXX/XXXX/XXXX. posted on XXXX/XXXX/XXXX. Ocwen split payment - {$2300.00} to Principal, {$590.00} - Interest and {$430.00} to Escrow. then Ocwen says it was n't a full payment & marked it delinquent. on XXXX/XXXX/XXXX Ocwen sends stmnt for XX/XX/XXXX, stating Amt Due is {$1000.00} ; which is {$2300.00} less than normal. is it a coincidence that it is as short almost as much as the amount Ocwen split off my prior mos pymt and put to Principal? I think NOT. I called Ocwen to find out and the lady I spoke to kept on about how I needed to send {$5.00}. send it tonight. then Ocwen marks it as incomplete and 2 mos delinquent. on XX/XX/XXXX placed the {$1000.00} into Suspended funds. on XX/XX/XXXX they canceled the transaction on XX/XX/XXXX that placed the {$1000.00} in suspended funds and placed the {$1000.00} into Suspended funds! [ no idea ]. removed the {$2300.00} from Principal and sent to suspended funds. then when the {$5.00} arrived it made a full pymt and Ocwen used it to pay my XX/XX/XXXX payment. they pocketed the {$590.00} and {$430.00} that they said paid Interest and Escrow from my original payment they rcvd on XXXX/XXXX/XXXX. then on XXXX/XXXX/XXXX they canceled the XX/XX/XXXX transaction that canceled the XX/XX/XXXX ttransaction that replaced the XX/XX/XXXX transaction, but this time Ocwen shorted the full pymt, I had made for XX/XX/XXXX, by XXXX penny from the amount normally allocated to Escrow and sent that penny as an escrow payment on that same day [ no idea ]. then on XXXX/XXXX/XXXX Ocwen cancelled the XX/XX/XXXX transaction that cancelled the XX/XX/XXXX and XX/XX/XXXX transactions that replace the XX/XX/XXXX transaction almost a year later only to put it in again on XXXX/XXXX/XXXX the same way it was entered on XX/XX/XXXX [ no idea ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted request to Transunion regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

1. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

2. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

3. This inquiry was not authorized! 
XXXX XXXX XXXX. 
XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

4. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

5. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

6. This inquiry was not authorized! 
XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry 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 non-monetary relief
Consumer complaint received 2020-06-17
Company: PCR Group
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Original Creditor XXXX XXXX XXXX XXXX Attempt to dispute on various occasions Company continue to sell a old debt to various sourcing companies with out my permission resulting in opportunist sourcing companies without my permission to sale, resulting in an appeared refreshed year to reflect as a new account resulting in tarnished credit file. XXXX  XXXX XXXX had stopped reporting to the bureaus as clear from XX/XX/XXXX to XX/XX/XXXX after being disputed in XXXX. XXXX  XXXX reversed the XXXX balance owed 10months later and after another dispute was done and after another 30 day investigation they decided to sale it to another company resulting in the issue we have today. There has also been times when ACCOUNT ADJUSTMENT BUR each month would purposely double report and sometimes 3 times report within the same month like it was a glitch on all 3 XXXXredit bureau 's Account Name ACCOUNT ADJUSTMENT BUR Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date Opened XX/XX/XXXX Balance Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My loan has been with Ocwen for the past two years. My original loan amount was {$39000.00}. It has been 30 years and I owe {$54000.00}. My interest rate is 11.7 %. My loan has been bought out from four different companies. I am sure that it should have been paid by now. I think this was a predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a phone call from the number ( XXXX ) XXXX at XXXX on XXXX/XXXX/2016. I answered knowing this number was a debt collector that I tried to reach yesterday with my confirmation number showing that I had paid my bill. Yesterday after waiting on hold for 15 minutes I hung up waiting for them to call in the morning ( which they did every morning 6 times since XXXX/XXXX/2016 ) I was greeted by someone who was clearly out of sorts and was arguing my name. I told him that my name was XXXX XXXX not XXXX, after that was cleared up I was transferred to another male. He told me the reason he was calling and I told him that I tried to call back yesterday to give them the information but was put on hold for so long that I waited for their call today. I was not yet at my office to give him the confirmation number. He went on to describe how the money could take up to 30 days to transfer to them. I told him that 's fine but he could take me off the list. This seemed to catch his attitude ( rude ) He stated with a very snide tone " no '' ending with " I hope this does n't have any affect on your credit. '' To me that seemed like a threat. I understand that they have a job to collect, however there is no need to be rude or threating. I asked him his name and extension followed by the name of his manager. He mumbled a name and the number quickly. I asked him to please repeat that. Then he wanted to know why I wanted that information? I told him I did not appreciate his tone. He then went on the defense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The Creditor has falsely documented our credit report saying Chapter XXXX when that is wrong to multiply Chapter XXXX to account closed in collections to charge off and write off amount to a whole new amount claiming original balance plus interested for there accounting errors. We believe that they wanted to mess us over and have tried by falsely documenting the account they have also stated that they were not notified of the Chapter XXXX which is wrong they were notified and had received payment refused to work with us and continued to falsely document open a new trade line and tried to get us for the full amount after they took the car and sold without providing the sold notice. The account should be closed with us owing them nothing as this is a huge error on there end and should be resolved with out costing us for there mistake. Please help with this as they have cost us enough. They want us to settle with making payments for something that is not right as you can see from the attached credit reports they are all over the board and not lining up with correct information. We ask that you make them remove the errors and show account closed as many of these reports show errors and have account closed they can not nor should they report errors like this and get away with it. They were fully communicated with and did whatever they wanted. They should have to remove all the errors and leave the account closed and in good standing for there mistake to us. Please help we are not in agreement with what they have done to us. The attachments are of my husbands but it is a joint account so it affects us both.

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 2015-12-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
All of the following credit breaus has been allowed and continues to allow resubmission of unproven credit claims against consumers credit files. This should be illegal for them to continuously do with no check and balanceses.

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 2022-04-19
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Focus Holding Company
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving calls from Focus Receivables Management claiming claiming "this is an attempt to collect a debt",

when I called, the XXXX question I asked is "Is this a debt collection agency"

they hung up immediately,

the return call number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After 2.5 months of complaints, Experian finally sent me my report today, XXXX. 
The report contains wrong information, which caused my credit applications to be denied. 
More specifically, Experian lists a credit inquiry, under results of action I took, shared with others, which doesnt belong to me : XXXX Id # : XXXX Date : XXXX XXXX, 2015 I never applied for any credit with this party, never heard of them before, do n't have any collections on my name, past or present, and I was actually living XXXX in 2015, and for 10 years before that. 
Due to Experian 's incompetence, I was denied credit as documented in my first complaint, and was unable to obtain auto insurance to get to work for 3 months.

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 2015-07-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is an item I have disputed several times reflecting XXXX which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Until XXXX of this year I had a XXXX branded XXXX XXXX card. In XXXX XXXX dropped XXXX XXXX as their card of choice and switched to XXXX XXXX. The change was purported to be transparent to card holders. When I checked my credit score and found that ( unfortunately ) the switch to the XXXX XXXX card resulted in a drop in my credit reporting from XXXX the prior month to XXXX. The reason shown for the drop was the number of open accounts shown by Experion dropped by XXXX, the XXXX card was shown as closed by Experion, and the XXXX card was not shown as an active account. There is absolutely no reason why my credit should be damaged by a business agreement between XXXX and XXXX. I contacted XXXX and was especially dissatisfied and concerned by the XXXX and indifferent attitude shown by the XXXX representative who answered my email query stating I would have to wait 2 months until XXXX started reporting my account. Please note I jealously value my credit and demand XXXX and XXXX immediately correct this error and my credit score.

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 2016-12-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have worked with the credit reporting agency for almost the entire year, I requested proof of validation on a bankruptcy per the fair credit reporting act, which gives me as a consumer the right to have anything on my report validated or it must be removed from my credit report because the information is incorrect and not 100 % accurate. I wrote the U.S. Bankruptcy court in South Carolina, and I got a letter back from the clerk of court stating that no reporting agency received any information that was requested, which means the item was not verified. I have documentation, certified from every encounter with the credit agency, I will gladly mail them to you upon request because they are to numberous to e-mail, however, I will include a copy of the letter I received from the clerk of the bankruptcy court in South Carolina.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
Please remove the following accounts they are violations of 15usc 1681 602a. I have a right to privacy. 15 usc sec 604a section 2. Furnishing transactions without my written consent. XXXX XXXX XXXX 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 2016-10-02
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a follow-up to the initial complain filed against Phoenix Recovery Group. PRG responded to said complaint stating that they had a contract bearing my signature, that they sent validation documents from the original creditor to me and that they validated the debt with the original creditor. Additionally, they claimed to have updated the account with the credit reporting agencies to reflect that the account was in dispute. While the account was in dispute, they continued to attempt to collect on the debt by calling my cell phone on the weekends and continuously reporting the account to all three credit reporting agencies. Further, when I disputed the account several times with the credit reporting agencies, PRG responded to those disputes claiming that the account was accurate. Despite the emails from the original creditor I sent listing the correct balance that was paid, they continued to intentionally act illegally and unethically. 

To this day, I have yet to receive those documents. I reached out to the original creditor and advised them of the unethical and illegal debt practices PRG had engaged in with respect to this collection account. The original creditor responded stating that they were unable to validate the debt because they no longer owned the property. They had not received a dispute of the debt from PRG and that PRG advised them that they were waiting to receive documentation from ME to process my dispute. The original creditor had to reach out to them to tell them they can not verify the debt and to remove it. 

While the debt has been removed, it is imperative to ensure that this complaint does n't go unnoticed. PRG blatantly lied to CFPB, broke multiple Federal and State laws and ruined my credit for nearly a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX accounts reporting to my credit report from Receivable Management Group. I do not know what these accounts are for! I have sent letters requesting validation but I have not received anything from this company who has this false error on my credit report. I want this removed IMMEDIATELY! This is violation of the FCRA and the FDCPA. I have received nothing from this company showing what this erroneous mark on my credit is about. There are XXXX accounts for {$690.00} and {$680.00}. Please take a look into this companies practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation