BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Nordstrom has allowed other people access to my account. Please review this receipt. For the Nordstrom Notes, I see XXXX, XXXX, and XXXX. These XXXX people have invaded my credit/rewards on this Nordstrom card and it's probably related to all the other complaints I have filed with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our family has been living at this property for over XXXX years and due to the " not so good economy '' and loss of work, it has become increasingly difficult to keep up with our household bills and mortgage payments. XXXX option was a loan modification but OCWEN has refused to work with us on a loan modification. XXXX I have submitted to OCWEN request for mortgage assistance, HAMP and Keep Your Home California ( Reinstatement Program ) and was denied XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I currently have a legal team working with me to improve my credit standing. XXXX XXXX XXXX has placed negative, uncharacteristic remarks on my credit reports which is affecting my financial goals. The XXXX XXXX Account is on a regular payment plan and pursuance of this credit card debt is being handled by local law office here in AZ. The payments to clear this outstanding debt are consistent and in good standing. My team of paralegals have sent an escalation regarding negative reporting to the bureaus and I received a letter on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XXXX stating they will not investigate the dispute as it is frivolous and irrelevant. There clearly is no integrity involved and this company will dismiss your right to dispute the information on the credit reports.

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2016-09-14
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hunter warfield never send anything to my adress about a debt.but yet keep contacting me forXXXX dollars.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company, ENHANCED RECOVERY COMPANY ( ERC XXXX was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2017-03-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Pretender lender loan servicer " Ocwen Loan Servicing '' and its robo-XXXX employee " XXXX '' is once again covering up its dirty smelly intentional fraud game tracks. I am in the process of retaining new counsel, I will respond to just one of robo-Starr " XXXX '' fraud cover up little games. Ocwen Loan Servicing XXXX is doing nothing but horsing around her barn. Attached is email evidence of Ocwen Loan Servicing robo-lawyer " XXXX '' denying me the right to discuss Ocwen fraud crimes against me before a congressional hearing. Dealing with Ocwen Robo-XXXX is a complete joke and a complete waist of time. If Robo-XXXX is looking for fights with Ocwen victims then she will get one!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Revenue Recovery Corporation
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked for a detailed bill of my account and was told they do not have to give me one. How do I know the debt is valid without the original bill. They sent me a statement that I promised to pay which in fact I did not I wanted a detailed bill.

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 2016-12-19
Company: Central Atlantic Legal Group, PLLC, t/a Booth, Strange & Daniel
State: WV
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My check was garnished. It was overpaid. Company stated the funds would be returned to my employer. Instead, it was processed. Company is now refusing to refund my overpayment in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all three reporting agencies that information they still are reporting XXXX accounts.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian leaked personally financial information in XXXX, at their advice I placed a freeze on my credit information. Now, there isn't anyway to unfreeze the data so that I can refinance a mortgage. Despite providing them with PIN they provide I can not unlock my information. I have provided extremely personal financial information via the US Mail at their direction in XX/XX/XXXX, but can not get a response of any kind from them. There is no way to contact and reach a live representative to discuss the issue as they only offer online services that say to mail the information or phone responses that say to mail the information. They are actually costing me tens of thousands of dollars from changing finance rates. At this point, it appears the only way to reach a live human being is to pay up for their XXXX XXXX program, which appears to be a violation of the settlement agreement for the data hack in XXXX and the Fair Credit Reporting Act.

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 2020-01-14
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Well first I told them not to call me at work. They have called me in a Sunday at XXXX. They also call me after XXXX which by law they are not suppose to. They also have never identified their company or the fact that they are attempting to collect a debt which by law they are suppose to do so as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Siggi LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My account with Omni has never been late. I have always paid this account on time and never late. For some reason Omni has chosen to report this account as charged off after I have paid this account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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: Information belongs to someone else

Complaint:
Someone stole my Identity to open Fraudulent Accounts using my person Information 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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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 have tried to remove inaccurate data from my credit report, the information on the original credit file is inaccurate, I have disputed constantly with the 3rd party debt buyer and it continues to come back verified even though I have proven the discrepancy. this item should be removed from my credit file and has expired its statue of limitations. please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Walmart sent me an unsolicited credit card from Synchrony Bank. The fine print says they have th right to share my information for marketing purposes. I do not want this credit card and do not want my information shared. I could not find information about how to have them stop sending me credit cards or offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: ID Analytics, Inc.
State: FL
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:
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX XXXX XXXX XXXX XXXX account that were opened XX/XX/XXXX paid off and closed XX/XX/XXXX. I had a very good history with the credit union in paying my accounts. At this time Experian Reporting Agency is reporting my account negative. I reached out to one of the Representative at Experian and they stated they were working on my investigation. I call back 2 weeks later and the Customer Service Representative stated that the investigations were completed and I will receive a copy of the report in the mail. I reached out and ask her about the XXXX XXXX XXXX XXXX accounts and she stated that they were removed from my reports. Around about 4 days later I received my reports and the XXXX XXXX XXXX XXXX account were still reporting negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed this account via this website and have not received a response within the allowed timeframe. It was given 30 days to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I NEVER lived in California. I have demanded for them to remove the CA. listed. They will not do anything

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 2020-08-17
Company: T.S. Holdings
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime between XXXX and XX/XX/2019 I went to make a large purchase, they ran my credit and it was brought to my attention that " XXXX XXXX '' or " IQ Data International '' put a $ 22,000+ collections account on my credit file, stating that the account was opened in XX/XX/2019. During which time I did not live in the state of Minnesota. I have not, to date, received ANY correspondences regarding this alleged debt owed. Between XX/XX/2019 and Present, the amount owed mysteriously changed from $ 22k+ to now showing as $ 11k+. In XX/XX/2019, I filed a dispute with all three major credit bureaus, XXXX, XXXX  and XXXX XXXX. Since then, XXXX XXXX and XXXX  have both investigated and determined that said account does not belong to me and have removed them from my credit files completely. To date, I am still in a back and forth battle with XXXX. They refuse to remove this inaccurate reporting from my credit file. I would like to note, I have zero collections accounts on my credit file with exceptional payment history on all open accounts. This fraudulently reported account may hinder my home buying process. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: FIRST ADVANTAGE CORPORATION
State: KS
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:
1 - There is an address that I have never lived before on my consumer report.

2 - There is no such former name for me. Incorrect on consumer report 3 - Employment dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have recently been informed that there is negative information reported by XXXX, XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Past Due 150 Days account closed. I am unaware of Past Due 150 Days Closed with this company. I contacted this company via certified mail asking for validation of the debt without a response over 45 days. 
Please validate this information with XXXX, XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: FL
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 have contacted Experian multiple times about the inability for me to obtain my Experain credit report and score. Recently I have applied for credit from 2 banks, and they have not been able to obtain 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