BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX continues to report a debt on my Experian credit file. I have never had a debt with this company/Bank. I have disputed this through Experian and they continue to show it paid late. They last showed paid late on XX/XX/18. This is incorrect information that is damaging to my credit report. I want them to remove it in 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 2022-10-28
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that there are many unverified inquiries in my credit report. The inquiries listed in my report were unauthorized. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continue to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 XXXXXX/XX/XXXX EXPERIAN XXXXXXXX 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 XXXXXX/XX/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 2016-09-18
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Regions Financial opened a savings account and credit card account without my authorization. After seeing what XXXX did to their clients I personally wanted to ensure they get investigated as well as I contacted them and they could not understand why the teller opened the account.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX Ct, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX I discovered that I was a victim of identity fraud when a former girlfriend co-signed my name on a lease for an apartment, resulting in my name being submitted in collections owing over {$3000.00} from XXXX. This was also submitted onto my credit report. FCO, the collection agency has attempted to collect this false debt from me last summer. Shortly after discovering this, I disputed this along with submission of an affidavit with all relevant & requested paperwork with proof of identity & my residency at the time of incidence that this debt was not mine and that I was a victim of fraud. I mailed it via XXXX and per tracking, it was delivered to FCO on XXXX/XXXX/XXXX at XXXX. The fraud report was also submitted on https : //www.identitytheft.gov/ as well as disputed on my credit report ; however, due to FCO handling this XXXX the other XXXX disputes were not submitted. A couple weeks after the affidavit submission, I began calling FCO to follow-up on my case. Every person I spoke with was extremely difficult to communicate with, no one was straightforward. They all simply beat around the bush, kept putting me on hold and I got absolutely nowhere. Furthermore, no one could confirm nor deny that my affidavit was received, despite the delivery confirmation. I called back about XXXX2 weeks later and same story, same bush. I then told them to call me once something comes up. It is now XXXX and I just received a new invoice from FCO, yet again, attempting to collect the debt. I simply can not deal with calling this terrible thick-headed company again, as no one can help me. They ignore my submissions and only submit theirs. This is a false debt, it is not mine.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair or correct the account listed below : 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 non-monetary relief
Consumer complaint received 2022-10-28
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: Their investigation did not fix an error on your report

Complaint:
Experian did not complete a full investigation on my dispute. 

This matter requires immediate attention. 

Please see attached

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 2017-05-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In  XXXX , I applied for a Federal Loan Consolidation for my Department of Education loans ; I selected  XXXX  to be my new servicer. After Navient, my current loan servicer ( and servicer of my private loans ), received word of my consolidation application -- whether coincidence or not -- raised my interest rates by .25 % : adding almost {$150.00} to my monthly payments.     The customer service representative claimed the rate increase was due to market changes put forth by the Federal Reserve ; those rate increases were made in  XXXX , though, and my  XXXX  interest was not raised. It was not until after word of my consolidation application that my interest rates were increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that there are many unverified inquiries in my credit report. The inquiries listed in my report were unauthorized. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continue to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 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 2015-05-01
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
lvnv funding llc is reporting on my credit reports that I owe a debt of {$130.00} opened on XXXX XXXX XXXX.i believe this debt is not mine and they should be taken off my report immediately.i have sent a verification of debt letter and have waited patiently for a response and still have not received anything.I have tried calling and got nowhere.original creditor on report says XXXX XXXX XXXX XXXX XXXX I have no idea what that is. I HAVE TRIED CALLING AND WRITING lvnv funding several times I have tried looking up address 's and there are several in several different statesthese are some addresses I have triedLVNV FUNDING LLCP.O BOX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LVNV Funding LLCP.O. Box XXXX XXXX, XXXX XXXX LVNV Funding, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX have also read on internet and several forums that lvnv llc is the same as ressurgence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
In XXXX, my XXXX Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( Portfolio Recovery ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does XXXX XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only XXXX deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does XXXX XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TRANS UNION have reported XXXX incorrect bankruptcys on my credit file. i contacted courts about. they informed it could be computer error or somebody with same name. XXXX Bankruptcy Clerk informed they do not verify or validated bankruptcy with credit bureau. Trans Union informed me after responses that it was verified. I have a letter from court informing they did not verified. Trans union is still reporting on 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 2022-10-28
Company: Experian Information Solutions Inc.
State: AL
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 XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written 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 2021-01-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a credit report has requested from Experian. My Social Security #  was incorrect.

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 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was approved to Open a Credit Card with Capitol One Bank in XXXX with a limit of {$3000.00} dollars was granted to me. I begin to use the credit card as needed and make timely payments when required. Capitol One increased my limit to {$5000.00} after 6 months of on time payments. Continued Using credit card and one day in XX/XX/XXXX they ( Capitol One ) notified me that there was fraudulent activity in my account and immediately closed my account. Now 2 years later XXXX they are attempting to sue me in court over the fraud balance of {$6000.00} dollars holding me responsible. Also I went on XXXX credit agency and attempt to correct specific information such as address and amount owed ( which is XXXX ) regarding the this Capitol one card and received a response from them ( Capitol One ) that my credit limit was only {$3000.00} further damaging my person and credit because the limit was {$5000.00} not {$3000.00}. The address the account is opened in and the address they have on file do not match. Also they play around with the credit report numbers. I have an auto loan with them and as soon as Im even a day past payment date ( within grace period ) they ( Capitol one ) mark it as late and it effects my credit and it isnt late! Credit Card ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts. 

I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: MS
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 account # XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, and 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX h

ave violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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