BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call regarding an old disputed medical debt. We have fought the original creditor because I was on XXXX and no bill should of existed. The collection agency was told of this dispute yet still applied the disputed, inaccurate item on my credit bureaus. When I requested they validate the debt they responded with a letter claiming we can validate but due to HIPPA Regulation we ca n't supply that information. So they reported information on my credit history but refused to validate the debt. They have violated FDCPA and FCRA and even though I have disputed this debt that they refuse to validate, they continue to report the inaccurate information damaging my good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collection agency has filed a XXXX on XXXX 2015 for the amount of {$3200.00} now they are trying to garnish my wadges but the amount they are claiming is now {$3900.00}. This is getting to be ridiculus. They are changing amounts and now they have the writ and are trying to garnish my wages. I need for them to just set up a payment plan but they want even negoiate any terms with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
XXXX XXXX XXXX submitted a hard inquiry on XXXX/XXXX/2015 to Experian Credit Bureau. I have no knowledge of this company.

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 2016-04-11
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a 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 2016-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with Experian, XXXX, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!

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 2016-07-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inquires not authorized being reported on credit report XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX 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 2015-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
EXPERIAN KNOWINGLY REPORTS ERRONEOUS INFORMATION, KNOWINGLY ALLOWS ACCOUNT TO BE RE-AGED, REFUSES TO INVESTIGATEAND REFUSED TO DELETE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
browser crashed when I first entered my info and was trying to view Experian report. I came back in and got my other XXXX reports, but experian would n't let me in and directed me to a form to submit proof of ID, I did that but my first ID copy photo was XXXX, which said it was n't allowed. Then I did a TIF as it instructed but then that was rejected because it was n't black and white. Then I submitted black and white and it said I exceeded my number of tries and must submit by mail. That 's a bunch of XXXX, considering none of those image requirements or number of attempts was NOT posted.

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 2016-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.

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 2020-08-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a pair of " XXXX '' brand denim shorts from a reselling site, XXXX, on XX/XX/2020 in the amount of {$120.00}. The item was delivered on XX/XX/XXXX, and the item was completely different from the description, and was by the brand " XXXX '', which is considerably cheaper than the brand I ordered. I contacted XXXX first to ask for a return, but after a few messages, I received no reply and after a few days, the case was marked as closed. I then sent the details to my Barclays account ( I used my Uber Visa credit card ), and then they sent me a letter stating that my card was verified for the purchase. This was completely different from the issue I filed it under, which was that I received false/inauthentic goods. I asked for the issue to be reopened, and I received a letter stating the exact same thing, resolving my case. I contacted customer service asking why my dispute was resolved under a different issue that it was filed under, and the only response they could give me was to file another dispute.

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 2016-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Around XX/XX/XXXX I disputed a negative item on my credit report for all XXXX bureaus. I was successful on the deletion. In XXXX this same collection account resurfaces, under a different collection agency. After some google searches i found out it was technically the same agency they just changed their dba. I received an alert thanks to XXXX of the reinsertion. I disputed it immediately unfamiliar with the charges, just like last time. Now it comes back " verifiable '' within 6 days of the dispute. A week later it hit my Experian file, I dispute with them as well and again they " verify '' within days of the dispute date. I know it takes a little time for sites like XXXX to update to show a collection. I not once received written correspondence telling me this collection was being reinserted into my credit report. And after some digging I found out the credit bureaus have 5 days to let me know. It is now XX/XX/XXXX and I have yet to receive correspondence from Experian nor XXXX. Hopefully it does n't hit my transunion file as well as I have n't received anything from them either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted this company several times as they are reporting my closed student loans with XXXX/XXXX/ and dept of ed closed with XXXX balance which should be showing in good standing on my report. instead they are showing negative on my report. They are being held against me even though the debt has been satisfied and should be reporting positively

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 2015-12-15
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen loan servicing took over my loan. The loan was already modified when they did. Since that time they have demanded a cushion for my escrow which is causing me extreme hardship. I went from {$1500.00} to XXXX in 2 years. My insurance has premium has decreased and my property tax has not increased. XXXX I asked to pay my own tax and insurance on the property. They refused and told me that the loan had to be modified for 5 year before they can waive escrow. This was XX/XX/XXXX. XX/XX/2015 is the five year. XX/XX/XXXX I again requested to pay my own because it would be less hardship for me. I would not have to maintain a cushion. I already approached my city about this. Now I receive a letter from Ocwen saying they can not waive the escrow and the reason is that the loan must not be delinquent in the last 12 months. I have never missed a month 's payment. I have had to pay a late fee because I am paid twice per month and it takes all of my salary to meet their demand. I am current on the payments. I qualified for the modification because of hardship, how can a mortgage company insist on making it even harder for someone with extreme hardship?. I have owned the property for 28 years and I never experienced anything like this. Please help me, I am at my wits end. They collect {$1500.00} per month in escrow only, totaling {$18000.00}. My escrow payment this year is {$15000.00}. I can not lose my property because of Ocwen. Please help me. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I noticed my checking had a withdrawal that I did authorize to Experion Credit Reporting. I called them immediately and told them that I never contracted with them nor ever received a credit report from them. They stopped the payment but told me that they have been taking the {$25.00} every month since XXXX. It 's an account I rarely use and keep little money in so I did n't realize it right away. I was told that someone named XXXX XXXX had been receiving credit reports, so I asked for her information to have her prosecuted. I was told to contact Experion 's Consumer Relations Group for this information. I contacted them in XXXX XXXX requesting a credit report and a refund. I received a credit report but no written response. I again wrote them XX/XX/XXXX ( sent return receipt, which they signed for ) and received no response. I believe they hope I will go away. I way be a victim of fraud and they do n't seem to want to take responsibility for that. Also, I never contracted with them, received no services from them and they benefited approximately {$900.00} of my money ( {$24.00} from XX/XX/XXXX to XX/XX/XXXX ) I believe this needs to be investigated and hope you can help me with this situation.

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 2017-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This debit has not been accurately verified. The bureau does not have a contract with my signature. It is also a possible duplicate 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 explanation
Consumer complaint received 2016-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX is reporting to my Experian credit report against Hippa laws Privacy laws and laws that state clearly an medical collection can not be reported if it is being paid by my insc it was Experian is sharing this information that is protected by the hippa laws and the privacy acct MY medical records with any body who pays them My medical records are private and that incudes my medical bills account XXXX reported with a XXXX balance and is clearly a medical bill and it is illegal for them to report it.

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 2019-05-10
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I took out a high interest rate loan with the company XXXX XXXX in XX/XX/2017. That company closed suddenly and without notice. A couple of weeks later I start getting collection calls from World Finance   claiming they purchased the contracts from XXXX  XXXX and I owed the debt to them. World Finance had already put a late fee on my loan even though I had no idea who this company was. I worked with the company trying to make arrangements to pay as their collection calls were coming in at least 3 times a day every weekday. If I didn't pick up the phone, they would call my friends and relatives whom I had listed as references on my XXXX XXXX accounts. 
I finally wanted World Finance to prove to me that I owed them the debt from the other loan company. They sent what was claimed to be a " court document '' to prove they bought my loan. It was just a typed up document with no official markings like a judge 's signature or a docket number. 
When I informed World Finance that I would be a filing an official complaint against them, the manager became more aggressive and demeaning ( even yelling at me ) insisting I was just trying to get out of my debt. He then informed me he would put it on my credit report if I didn't pay. After about 6 months of harassing me, my friends and family, I was able to block all of their phone numbers. Unfortunately my friends and family were not able to do so. 
I pay debts that are mine, but they are expecting me to pay a random company I have never done business with just on their word. 
I have included some of the collection notices and a copy of my original contract with XXXX. It appears to me from the language in that contract that my debt from XXXX XXXX was nullified if the company went out of business. Even if that is not correct, I am not just giving my money to a random company that says I have a debt with them.

( The section where I list the last 4 of my Social on this system keeps giving me an error. I included the account number from XXXX XXXX as none of the correspondence from World FinancXXXX has an account number listed. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit bureau is in direct violation of FDCPA and FCRA, concerning 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 2015-07-27
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father passed away in XX/XX/XXXX. He owned a house whose mortgage had been sold XXXX times in XXXX years. The final mortgage holder was Ocwen Loan Servicing , LLC . The mortgage was upside down, so we decided to let the house foreclose. Through our estate lawyer, we requested a deed in lieu of foreclosure in XX/XX/XXXX. Since then, I have recieved monthly bills and calls until XX/XX/XXXX when they finally sent the paperwork to do the deed in lieu. I signed it in the presence of my lawyer and witnesses. My lawyer XXXX it to Ocwen in the envelope they provided. During all that time, my sisters and I received at least XXXX letters and XXXX or more registered letters about paying the mortgage. There was not enough money in my father 's estate to do so. I told Ocwen that at least XXXX times on the phone and more times in letters from my lawyer. In XX/XX/XXXX, I got a letter requesting that I purchase hazard insurance for the property. My lawyer sent them a copy of the signed deed in lieu papers and reminded them that I do not own the property anymore. The property was vacated in XX/XX/XXXX and Ocwen did an inspection and changed the locks in XX/XX/XXXX. Today I received another notice about purchasing hazard insurance. 

No matter what we do, they keep trying to get me to do something with this property. Also, my lawyer has requested a final statement from them, so that I can close out the estate account and pay a few other bills that ca n't be paid until Ocwen gives me the final statement. They have ignored this request. How do I get this matter closed? I keep having to pick up registered letters and pay lawyer fees for letters to Ocwen, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is the worst mortgage company on the planet! Our loan was sold to them by Homeward some years ago! We had no control over that. How a mortgage company can manipulate account balances with extra charges and random fees is beyond criminal. Every statement must be examined. We have been dealing with Ocwen lying about making an insurance payment to our insurance company for 2 months now! They claim they made the payment in a batch of other checks. Check was not found. After repeatedly calling Ocwen back they claimed they would overnight the payment so that our insurance would not be cancelled. The overnighted payment was not received by our insurance company! This happened again and again. We had to make the insurance payment to avoid being cancelled. The payment addresses for our insurance company has not been changed. Ocwen claims this matter is in research and they will call us with a resolution.They put you on hold and say they are making notes and you will get a call. These people are XXXX based speaking bad English and they have no answers for you the customer. Why are they allowed to remain in business?

Company response to consumer: Closed with explanation