BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select. I have been violated by XXXX XXXX XXXX XXXX XXXX. ALso, by Experian Credit Reporting Agency. XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas. They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may neve r have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX credit cars with XXXX XXXX XXXX, XXXX is a XXXX, the other a XXXX. Both are current, with a {$24.00} balance on the XXXX, and a {$0.00} balance on the XXXX. TransUnion is showing that I have a card with XXXX XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified TransUnion. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through TransUnion, as it is their error, not XXXX XXXX 's. The XXXX XXXX employees speak English very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam.

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 2016-06-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Ph. XXXX I called the company that bought out my loan from another company who originally had it. I agreed on an amount with them and my account would be considered paid in full. I paid it on XXXX of 2015 and they still have no reported it, so that it shows on my credit report. Every time I call them they say to call the original owners of the loan. which I did and they keep tell me that its not their responsibility.

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 2015-08-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.

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 2017-02-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I found out in XXXX XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.

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 2015-04-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX, was last reported on my credit file XXXX XXXX, 2015, On XXXX XXXX, 2015, it was deleted and reinserted on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I joined Square 's online checking account program for my business of 6 years. Switching from a brick & mortar bank to an online only. I deposited two {$300.00} checks from my client which is a large car dealership. On XX/XX/2022, Square deactivated my account and is keeping my money for 90 days. No reason given. I have done no other transactions with Square except 2 deposits. Customer service could not provide any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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 sent a letter to the furnisher XXXX XXXX  dated XX/XX/XXXX regarding the negative items reflected on my account. I've mailed debt validation date XX/XX/XXXX and method of verification letters dated XX/XX/XXXX to the 3 bureaus. I received a statement from XXXXXXXX XXXX dated XX/XX/XXXX that this account was already sold last XX/XX/XXXX. 
Balance : {$0.00} Date Opened : XX/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 2017-02-21
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are writing to dispute the following information on our current credit report. The item in dispute was a refinance of our home mortgage, referred to as a Home Affordable Modification Program ( " HAMP '' ) and Home Affordable Alternative Program ( " HAFA '' ) with Ocwen Loan Servicing, LCC in XXXX, 2016. We are requesting that the item be removed to restore our credit rating and to correct the information. When we requested the loan modification we were specifically instructed by Ocwen Loan Servicing, LCC to suspend our payments while the refinance was in process. We were never offered counseling or informed that suspending our payments during the refinance process would have such a adverse effect on our credit report. Therefore we are specifically requesting that the " Serious Delinquency " ( very late payment ) item be removed from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I AM XXXX AND XXXX DONE. HOMELESS BECUSSE OF A JUGMENT ON RENTAL HISTORY USED ALL MY XXXX BENEFITS ON CHEEP BUG INFESTED HOTELS WHILE I FOUGHT THIS LOOSING BATTLE. MY IDENTITY WAS STOLEN THE UNWORTHY OF LIFE INDIVIDUAL OR INDIVIDUALS RENTED APTS TOOK OUT PAYDAY LOANS AND CHARGED UP BILLS. NO ONE WILL RENT TO ME NO ONE WILL RENT TO ME NO ONE WILL SELL TO ME. I AM XXXX AND HAVE XXXX XXXX. THE COLLECTION AGENCY INFO STILL ON MY REPORT AS " CLOSED '' BUT THEY REFUSE TO REMOVE IT. I HAVE WORKED MY WHOLE LIFE PAID MY BILLSBUT BECUSSE OF THIS I AM WITH OUT FOOD MEDICINE OR A SAFE PLACE TO SLEEP. SO SAD I KNOW LOL I 'M NOW XXXX OF THEM THE PEOPLE I WOULD GIVE MONEY TO ON THE STREET AND NOT ANYTHING I CAN DO. THIS EXPERIANCE IS CHANGING ME YOUR SYSTEM IS BROKEN THIS THE UNITED STATES OF AMERICA MY FAMILIES BLOOD WAS SHED IN WARS MANY WARS FOR OUR LIFE STYLE AND FREEDOMS LOOK HOW WE ARE TREATED. BEFORE THIS THING KILLS ME I WILL SEND ALL MY DOCUMINTAION TO NEWS ORGINIZATIONS AND PUBLICE OFFICIALS FUNNY I STILL THINK SOMEONE MAY CHANGE THE SYSTEM MAYBE MY PAIN WILL HELP ANOTHER I HOPE BUT AGAIN NO ONE CARES ENJOY YOURRUNNING WATER COMFORTABLE COUCH DINNER AND DESSERT GO AHEAD COMPLAIN ABOUT THAT BAD NIGHTS SLEEP THE NIGHT BEFORE WITH YOUR COWORKERS LIFES HARD I KNOW SLEEPTIGHT XXXX XXXX will attach back up as soon as I can XXXX of our friendly police officers is told me to move it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: EZCORP, INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Lender called my mother stated that if I did not pay {$600.00} I will go to jail. When I tried to get information regarding the account They stated the file was forwarded to the state to be processed and hung up in my face. Refused to give me any information regarding the loan. He stated his name was XXXX XXXX and he was very rude and unprofessional also stated that you people never learn before he hung the phone up in my face.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm disputing this account as a fraudulent account. I am victim of identity theft. I tried disputing this account with the credit bureaus and they referred me to reach out to the company directly. The only card that I have with Nordstrom is a Nordstrom debit. 


Please find my police report and identity theft report that's attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
There is a hard inquiry on my credit report from XXXX, which I never authorized. Something recently showed up on my credit report which I am not aware off. I heard from others that they are having the same issue regarding the XXXX hard inquiry on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: NJ
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 Everything has to be XXXX XXXX accurate on my credit report The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, the date opened is inaccurate. This is ground for removal. They also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 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 explanation
Consumer complaint received 2021-01-07
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: Account information incorrect

Complaint:
They never responded to any of my dispute letters. I have sent 5 letters starting XX/XX/2020. They fail to do their job and they are reporting inaccurately. please help me as they are purposely hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lockhart Morris & Montgomery has been trying to extort me for nearly 2x the amount I owe to XXXX XXXX XXXX. XXXX  XXXX XXXX only called me once to negotiate the debt before they sold it to Lockhart. I have the receipt in my email from XXXX for the true amount that I owe and it is only {$3300.00}. Lockhart says I owe them {$7200.00}. I NEVER took out any type of contract with Lockhart and have requested them to provide proof numerous times of any contractual agreement I have with their company. I do not owe a debt to them so I will not be paying them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-25
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CBC said I admitted that I owed t ty he amount that they had said on no phone. I agreed I was at hospital never saw a bill. They have things in reports that was in bankruptcy and been deleted but they keep putting it back on. When I didnt agree to what they would settle for the lady said well its going to be a much higher price then I took that as a threat. Im tired of dealing with them. Im a XXXX XXXX recipient and they are putting unnecessary stress on me because of there actions.the photos I sent. Have different dates on them. The one that was removed is still on there as if XXXX XX/XX/2021. It was in bankruptcy and they want me to pay the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Solidus Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The XXXX turned my debt over to Clear Credit Services who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation