BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX/MAIL-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a complaint XX/XX/XXXX after pulling my credit report and notice there were Hard Inquires that I had no business with. I called and even mailed letters to Experian telling them they are not mine and had no business with those companies. I want them removed from my credit report. 

I would like for all those Inquires to be removed at once. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX 4 ) XXXX 5 ) 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 2015-10-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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 dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I, after all this world Pandemic, went to XXXX XXXX and purchased a timeshare through a company called XXXX XXXX XXXX. 
They were asking for XXXX dllrs down-payment and since we didn't have that they offered us to apply for 2 separate Barclay 's RCI credit cards on the total amount of XXXX, XXXX dollars. 
My wife got approved for XXXX and I got approved for XXXX. 
We were told no late fees and no interest for one year.

2 weeks after we came back to XXXX XXXX CA, where we live, they charged our credit cards for the XXXX dollars but they needed us to activate the cards. 
So we called Barclay 's RCI, activated the cards, I verified there were no late fees or interest and that was confirmed to my wife and I. 
My first payment to them ( Barclay 's ) was suppose to be on XXXX, but I realized when I tried to log in into my Barclay 's account, there were 2 charges, one for a late fee of XXXX dllrs, and one for purchase interest for XXXX dllrs, I have tried calling and asking to get this fixed. 
XXXX XXXX ( XXXX XXXX ) said they can't do anything because all they did was provide me with the form and they sent the application to Barclay 's with my socials security and my wife 's social security and all the other personal info, they said they can't talk to Barclay 's because I'm the account holder not them but they assured me AGAIN AND AGAIN THAT THERE SHOULDN'T BE ANY FEES OF ANY KIND FOR THE FIRST YEAR. 
My wife does not work, she got let go during the Pandemic. 
I've already tried talking to everyone. 
I wan na pay what's fair and what was said and agreed to to my wife and I.

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 2021-09-29
Company: Early Warning Services, LLC
State: MI
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 belongs to someone else

Complaint:
Early Warning Services located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is reporting inaccurate information about me publicly. I have submitted two notices to this entity. The first notice was a request to place a security freeze on all data reporting about me publicly. The second notice was a request for this entity to cease and desist the reporting of fraudulent data about me publicly.

Early Warning Services first response to my request for a security freeze to be place on my file was a letter denying my request for a security freeze and copies of their file listing my personal data. Early Warning Services second response to my notice to cease and desist the reporting of all fraudulent data about me publicly consisted of the exact same letters I received from my first request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have had identity theft done to me and itis noted on the website of XXXX and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX 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

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 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX & Account # XXXXXXXX XXXX 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 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 explanation
Consumer complaint received 2021-09-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have a duplicate debt on my credit report from the same collection company for the same amount and i've never seen a bill for either but i was only in the hospital once so there should not be 2 collections with the exact same amount. I have tried to get them to send me confirmation of the debt but i only get it for one of the bills and not for the other but there is 2 on my credit report. I am asking for help to get them to remove the one of the collections with the 3 credit bureaus since they can't provide me proof of both. Anything you can do would be greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
American honda finance is practicing to request for settlements such as the company received from me XX/XX/XXXX. Then report to the IRS I owe the remaining balance. Although the debt was charged off on credit report XX/XX/XXXX. The company would not show up in court when I filed a complaint against the XXXX Honda Dealership and American Honda. It was told there address was not listed in XXXX. So I received the run around from the time vehicle was purchased. I traded in a XXXX Toyota for a XXXX Honda XX/XX/XXXX then received a bogus contract the seller ran off for his practices where he received monetary for a transaction that I ended up having difficulty getting rid of once the company played there shady games towards me.

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

Complaint:
This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). Thanks

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 2021-09-29
Company: LEXISNEXIS
State: IL
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:
LexisNexis is sharing my public information to several reporting agencies. I have dispute it with the agencies and they have not removed it as of now. I also mailed in a certified letter to LexisNexis requesting how did LexisNexis verify my bankruptcy? Where did LexisNexis get the information from?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, IL XXXX ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) 3. ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) 7. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ) 8. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-09-29
Company: Experian Information Solutions Inc.
State: CO
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:
When I requested my full consumer file on XX/XX/2021, I received a defective [ non ] response disregarding the " AND FILE '' portion of my request for my " Individual/Consumer File. '' I consider this negligent noncompliance pursuant to 15 U.S. Code 1681o and provide one opportunity to cure Respondent 's fault.

With regard to the improper response to my complaint : FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern : Please send me in writing ALL INFORMATION in my consumer file at Experian as of the date that you receive this letter regardless of how or where it is stored ; pursuant to 15 U.S.C. section 1681g ( a ) ( 1 ), and subject to 15 U.S.C. section 1681h. Mask the first five digits of my Social Security Number in all writings you return to me.

In addition, I am requesting : 1. Pursuant to 15 U.S.C. section 1681g ( a ) ( 2 ), all sources of information in my consumer file at Experian.

2. Pursuant to 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), the identification of each person that procured a consumer report on me from Experian.

3. Pursuant to 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), the name, trade name, address, and telephone number of each person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. Pursuant to 15 U.S.C. section 1681g ( a ) ( 4 ), the dates, original payees, and amount of any checks in my consumer file at Experian used to adversely characterize me.

5. Pursuant to 15 U.S.C. section 1681g ( a ) ( 5 ), a record of all inquiries received by Experian in the year ( 12 months ) preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for a full file disclosure to include all obsolete and archived information as permitted by the Fair Credit Reporting Act. It is my first full file disclosure request for this calendar year from Experian.

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 2017-05-23
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was repaying my student loan to navient in which it was  XXXX  intereste. I ended up with  XXXX  and had a  XXXX . I needed to call them to reschedule and keep the  XXXX  interest with the payments I was making, I unfortunately was unable to call them so they now have raised it to 10 % and over {$15000.00} and interest was added. I borrowed  XXXX  and I know all them  XXXX . The cosigner is my husband we are willing to make payments I am on  XXXX  but they will not lower back down to 4.0 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a Collection Account on my credit report that is over 7 years old ; XXXX XXXX XXXX for $ XXXX old XXXX bill. It appears the Collection Agency has illegally re-aged it. The date of last payment on this account was 16 years ago. I have attempted to dispute this with Experian ( I sent them a dispute form ) and they sent me a letter stating they wanted my Social Security number ( which I already provided ), date of birth, mailing address, etc. This is very critical information that I do not want to send in the mail and am confused why they would request this information when my dispute form clearly provides enough information to verify my identity. I feel they are using tactics to dissuade me from clearing up my credit report. By the way-the other XXXX credit reporting agencies do have this account listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my husband died unexpected at the age of XXXX, the same time Owcen who was servicing our loan was than sold to Phh Servcing. I informed them of his death and in XXXX of XXXX they took him to court and proceeded forcloure on the property, i had to provided proof that i was his wife to become successorship with which the awarded in XX/XX/XXXX to recant it XX/XX/XXXX and than they award it again in XX/XX/XXXX when covid began they than would keep me in modifications every three months stating they never recieved my documentations, as i would continue to send back they would ask me again for the same paperwork, when i would call to speak to my relationship manager that i was assigned to i would have to wait 3 weeks or more for a call back never able to reslove any issues for they kept the cycle of failed converstations with different realtionship managers never the one assigned to me. 2 years in and i still am fighting with them about recyled paperwork as well as not awarding me successorship till this day ... this company has already been sued by the Attorney General of my state of NJ in XXXX for the same pratices. please help me save my home from another agency that is not part of the solution of homelessness... Concerned Widow

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
This Account is being added to my credit report With the intention of collecting I have disputed this account with the original creditor over the Phone to validate this information on XX/XX/2021 I have not received any information From XXXX XXXX XXXX. 
This Account is not just added is also inaccurate. With no payment History on all accounts Starting with XXXX XXXX /Equifax . also the balance is inaccurate. 
please have this delete immediately from my credit report. 

Note. this account has a duplicate account with a different account number

Company response to consumer: Closed with explanation