BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
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 XXXX XXXX Account # 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 instrusctions.

15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2016-01-11
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This letter is to inform you I have filed a formal compliant against OCWEN, LLC Servicing center with the Attorney General Office in XXXX/as well with the Department of Justice for suspending my ability to make my mortgage payments via online or over the phone due to their negligence. 

As of XX/XX/XXXX have I remained current on my payments and have provided proof of payment and OCWEN has continued to block me for the past 45 days disabling my account with the intent to sabotage my credit and to accrue late fees and are demanding that I only make payments by XXXX XXXX or certified funds for the next six months. 

I would like for OWCEN to suspend all phones calls and only contact me via email XXXXXXXXXXXX or mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my account. I do not wish to receive any phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Dear XXXX XXXX XXXX XXXX XXXX. Federal Trade Commission & Better Business Bureau, I have a major issue with Experian CRA. I had request re-investigation on error on my credit report at-least ( XXXX XXXX XXXX times to remove " Inaccurate '' reporting of Bankruptcy. I have asked more than 4 times for information regarding " Error and details '' as well as the source of such reporting and " verify it the XXXX witch should be the bankruptcy court '' also who was the creditor and what was the amount on such stated Bankruptcy?? They just respond saying it is verified! I had contacted the Bankruptcy Court and New Jersey XXXX and received letters from both of them that the " DO NOT VERIFY OR REPORT TO ANY CREDIT BUREAU 'S! I also received a Court Letter from the " DISTRICT COURT OF NEW JERSEY '' VERIFYING THE DO NOT REPORT TO CRA 's. " THE COURT CLERK XXXX XXXX XXXX XXXX. CHIEF DEPUTY. CLEARLY STATING THERE WERE ( XXXX ) XXXX SEARCHES DOES NOT SHOW ANY MATCHES WITH MY NAME " XXXX A XXXX. I had forwarded these XXXX letters to Experian requesting removal of the " In-accurate '' reporting. They just responded stating again verified!!! I can not find employment because of background check showing such detrimental reporting also because of such financial situation from not being able to find work is leading to a possible Divorce and not mention I have lost my XXXX less than XXXX weeks ago. I truly and sincerely hope that XXXX can help with the removal of such distressful reporting. Thank you for your understanding and hep. Sincerely, XXXX XXXX XXXX. ( XXXX ). 


Their Response : XXXX XXXX NJ XXXX Dear XXXX XXXX, This message is regarding Complaint ID # XXXX Experian XXXX you for following up with XXXX regarding your position in the above-mentioned dispute. 

We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX XXXX XXXX as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' If you would like to pursue this complaint further it XXXX be helpful for you to contact the following agency ( XXXX ) : Federal Trade Commission XXXX Washington DC XXXX Website : XXXX I have tried to contact FTC, and were referred Bureau of Consumer Financial Protection XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I XXXX asked Experian to update the phone number in my Fraud Alert in XXXX of 2014 and they did not do it. Both XXXX and XXXX XXXX did update the alert with my correct phone number ( XXXX ). Experian asks me to try their guessing game questions/answers of which they never match my actual data because I am a victim of Identity Theft. No one at Experian is able to help me. They ask me to re-upload, fax, mail etc. my ID and information to them. The info gets sent and they still do not update it. I am getting my credit denied for auto and housing because they do not have the correct telephone number in my fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} IXXXX XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$40000.00}

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 2021-12-10
Company: BARCLAYS BANK DELAWARE
State: PA
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 am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2016-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: TD BANK US HOLDING COMPANY
State: PA
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 am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: DISCOVER BANK
State: PA
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 am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
i never authorized them to track my credit, yet am responsible for any effects of their credit breach and must pay for any freezes to attempt to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y 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 2020-06-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There's a fraud alert placed on my credit report. At the time, I didn't recognize any fraud reported so I requested that the credit bureau remove the fraud alert. They gave me grief and continued to say they would remove it yet they have failed to do so. I've been calling and writing letters to remove the fraud alert for the past couple of months. 

I figured that since they have failed to comply with removing the fraud alert per my request, that I would request that they add my phone number so that way if I do apply for credit then the company could call me and I could verify my identity. They have still failed to even do this. 

I'm in the process of trying to purchase a vehicle and this is the only thing holding me up. The dealership runs my credit every couple of days as the credit bureau said it would take 24-48 hours to update on my credit report, yet it still hasn't. 

At this point, this has gone on far too long. I need help and assistance to get the fraud alert removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
In XXXX we purchased a timeshare in XXXX and when we tried to use it they never responded. There have been numerous charges against them on the XXXX XXXX as being fraudulent/scam. All of our charges on our XXXX CC were reversed back to us, as all of our charges on our Chase card in XXXX XXXX. On XXXX/XXXX/XXXX we received a letter stating the charges were all charged back to us and that we could appeal. I have sent numerous letters to Chase, including the extra documentation they wanted ( proof that XXXX credited our account, information from the XXXX XXXX ). I still did n't hear anything from Chase. I used their online dispute system and sent inquiries, no response. I then called in XXXX, spoke with XXXX who said I would receive a credit on my card by XXXX XXXX. Nothing. I called again on XXXX and spoke with supervisor XXXX who said they could not credit my account until they get the money back from the timeshare bank. Upon further discussion, they were calling a customer in XXXX ... this is a XXXX company. I gave her the correct number and she stated someone would be calling them and then would let me know the outcome. I asked for a followup date, she could not give me that. I asked for her contact information, she said she could not give me that as well. I then called again on XXXX/XXXX/XXXX and spoke with supervisor XXXX XXXX. He said I would hear in XXXX week the results. I asked if we can make a decision now. He said no. After a lot of discussion, we decided to call XXXX XXXX XXXX together on the phone - which they said no one answered. So we called on a XXXX call, they did answer and were answering our questions, then was disconnected. I 'm not sure who disconnected the call. It 's been more than week as XXXX has said, and still no response. 

I just want the charges credited back to my account and the interest that has been accruing all of this time. This is very discouraging. I have a huge packet of our correspondence, and they just push me off. I 've asked for a supervisor or higher management to call me back, and I hear " we do n't do that. '' Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2014 on the dates of XXXX XXXX and XXXX XXXX, 2014 XXXX payments were made to Chase bank for the mortgage on our home. The payment of XXXX/XXXX/2014 was made by the program Home keepers the payment of XXXX/XXXX/2014 was made by my wife and I. Chase made an error and charged interest for the month of XXXX in the amount of XXXX. This was XXXX the monthly amount of interest due. Repeated letters to Chase bank have gone unanswered. I feel that Chase Bank purposefully will not answer our letters and that they purposefully charged XXXX the amount of interest that was due. 
Also the NJ home keepers was a program that helped us when my wife became unemployed and the banking theft and mortgage/housing crises, which no bank managers had to pay criminally and instead paid off small fines ( not fair ). However please also review this process because Chase and NJ Home keepers would not allow us to get assistance unless if Chase bank was paid a specific amount in arrears owed. This was not fair because we were never ever late on a loan payment and had no arrears to pay off, but Chase bank got thousands of dollars to pay off arrears which did not exist. 
I feel it is only right that these XXXX issues be looked at. 
We are so upset of how Chase can act without regard to the law, and yet if an individual steals bread to feed their family they can go to prison, and Chase bank can steal and manuiplate without any regard to any consequence. 
Please look into the XXXX matters XXXX being XXXX the amount of interest charged for XXXX 2014 and how Chase collected thousands of dollars in order for us to get assistance from NJ home keepers to collect funds for an account in arrears when the account was never ever paid late or in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Back in XXXX I disputed a debt from XXXX XXXX on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call XXXX funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had XXXX of the credit bureau 's call XXXX way with me on the phone on a recorded line that XXXX should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again XXXX told me it was the credit bureau and specifically referenced Equifax. I called and spoke to XXXX at Equifax who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per Equifax they have once again removed the dispute and I have once again put it in writing for XXXX XXXX that this account is NOT disputed. We went through a tragic circumstance with my son who is now on XXXX and this continued stress inflicted by this company should be dealt with. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: PA
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 never opened the account, XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ), Opened XX/XX/2013. The account is attached the following address : XXXX XXXX XXXX, XXXX, AZ XXXX. I have never resided at this address. I have never lived in Arizona or even visited Arizona. This fraudulent credit account is detrimental to 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 2020-06-11
Company: Convergent Resources, Inc.
State: MD
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 XXXX has shared my social security number, credit report and confidential information there in without my consent to Convergent who illegally and without my consent have violated my privacy and are aware of where I live and have been given my phone number. 

I am requesting Convergent and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus. 

I have not signed an agreement with Convergent and associates  to contact me, nor have my confidential information nor report errors to all three credit bureaus. 

I'm requesting in writing the removal of the false reporting from all three credit bureaus. 

Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated. 

My husband 's XXXX XXXX and current hospitalization has had my family in crisis and now with Covid-19 I must have this inaccurate reporting removed immediately. 

The false reporting is negatively affecting my XXXX XXXX ' ability to receive COVID-19 disaster relief. 

Please remove now from all credit bureaus. 

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