BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX. is a 3rd party collection agency for medical bills or shall I say physician bills that are unpaid due to either a lapse of insurance or no insurance. I am a Medi-cal beneficiary and was shown to have been covered by my provider which they had already confirmed they had the information for. This predatory form of balance billing has been detrimental to my not only my credit score but it has damaged my credit profile and has altered my life in a very negative way. This defamation of character promotes the idea to lenders that I am a irresponsible borrower and not worthy for accounts or services that I've applied for.

This clearly being some sort of error I spoke with both companies on recorded conversations. I provided both experian ans XXXX XXXX  with all the necessary information to conduct a thorough investigation to the facts. In my dispute neither of the companies conducted any type of investigation and they simply just updated my credit file as verified and accurate. 

I was even able to get both representatives of the company on the phone with each other in a conference call and they continue to be reluctant to remove it from my report. 
It feel like they are being very discriminative in their approach to remove it from my report and are attempting to punish me for speaking up and pointing out there error and violations of federal law by reporting inaccurate information on purpose out of spite. 

I've asked very kindly for them to correct this information immediately and they still after XXXX XXXX today admitted that they made a mistake and this was duplicate billing and that it was their mistake. I was still advised it could take another 2 months before it can be corrected. 

I spoke with XXXX in the company of also XXXX XXXX on XX/XX/2022 who were said to be supervisors as they confessed and confirmed the mistake on their behalf. I was advised that the conversation was monitored and recorded for the purposes of still collecting a debt that I did not owe. 

Please assist me with this account and prevent this company and Experian from further damaging my credit and preventing me access to fair credit reporting information. 

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 2018-04-27
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX On XX/XX/XXXX I received notification from XXXX XXXX XXXX XXXX XXXX advising that the servicing of my loan had been transferred effective XX/XX/XXXX from UNITED SHORE FINANCIAL SERVICES , LLC to XXXX XXXX XXXX XXXX XXXX and that UNITED SHORE FINANCIAL SERVICES , LLC stopped accepting payments received from me after XXXX XXXX. 

I have never missed any payments, now I am receiving foreclosure letter from UNITED SHORE FINANCIAL SERVICES , LLC attorney advising of foreclosure. This has ruined my credit score, t UNITED SHORE FINANCIAL SERVICES , LLC is reporting over 90 days late on my credit, dropping my score over 100 points. 

I have contacted both servicers ( prior and new ) and one says I have two accounts with them, two different loan numbers. I have never missed a payment and have spent hours on the phone trying to solve this at no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX  ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, Experian never marked the account as being under dispute I have circled the errors in my consumer report. XXXX also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.

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 2023-05-23
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-10-25
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:
Experian has deleted 3 other fraudulent XXXX XXXX accounts on top of others, however in my past disputes they seem to skip over this one. Even when I opened a dispute immediately after they deleted the others, they said this was correct. This XXXX XXXX account does XXXX is fraudulent and is listed in my identity theft report. It needs to be removed.

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 2022-10-13
Company: Upgrade, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX. Written statement describing the situation that led to your dispute. 
Answer to my best of my knowledge I was attempting to make a purchase on around XX/XX/XXXX or XXXX which at that moment I noticed card was missing or lost. After realizing my card was lost or misplaced, around XX/XX/XXXX, my self and my girlfriend tried to find the missing or lost card with out success we tried calling customer service number registered on my phone directory. However my location out of the country connection problems. I was not able to complete the call. 

Company Questions A copy of the police report which sustains your claim. 

Answer I don't have XXXX! 

Question ; Would like to have a complete police report which includes the following details : Answer to my best of my knowledge I am personally providing information via this method and I have call customer service on XX/XX/XXXX of 2022 Question ; Circumstances surrounding the lost card - complete narrative. 

Answer to my best of my knowledge. I have provided this information via telephone call with my girlfriend and myself after succefuly contacting customer service department on XX/XX/XXXX. my girlfriend spoke to customer service department and they succefuly got her a translator she was able to give details information about the lost card so was I eventhoug my condition was fragile at that moment while on the phone this information was giving on great detail Note : On thursday XX/XX/XXXX my XXXX was calling she was told several times " No Spanish '' In XXXX occasion on Thursday XX/XX/XXXX they place place her on hold the call got disconnected. 

Question Company When the card was discovered missing. 

Answer to the best of my knowledge On around XX/XX/XXXX or XXXX of XXXX of 2022. 

Company Question Unauthorized transactions that took place. 

Answer to the best of my knowledge After reading information you have provided the following dates are listed XX/XX/XXXX ( XXXX times ) and XX/XX/XXXX ( XXXX times ) Answer Those are Unauthorized transactions. 

Company Question Are you willing to prosecute Answer Yes. 

Note : My girlfriend Human Rights Act were violented language she was humiliation due to her barrier of XXXX limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some real bad internet hackers on the dark web. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 2 ) a copy of an identity theft report ; I demand that the following account be verified or removed immediately : 15 U.S. Code 1692g - Validation of debts XXXX Account # : Closing Date : XX/XX/2018 This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: CT
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: IL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS 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 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-01-15
Company: Phoenix Financial Services LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
this account is unknown to me, I have no knowledge of the account. I never recieved proof that the account belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
Hello ; and how are you doing on today. My ongoing complaint is, that on numerous occasions. I have been denied credit and i sent in the denial letter, from the creditor, that denied me, to Equifax and on each occasion, i have not received my credit report in the mail.I have tried to retrieve, my credit report online, on their web-site and the problem insist. I called their telephone number, and i was promised, that i would receive my credit report in the mail ; and as of Today. I still haven't received my credit report. This has been an ongoing problem, with Me and Equifax, in pertain with my credit report. Something, has to be done. I am also writing my State Leaders in regards to this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your permission to include this bankruptcy in my credit record is not authorized! There are many dates for filing and reporting, as well as for closing. This is crazy! I have the court 's letter stating that they do not notify you of this bankruptcy and that this is coming from an uninvited third party.

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 2023-04-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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 on XX/XX/2022 to XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

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 2023-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Upon reviewing my credit report I noticed several injuries in which I requested removal. After several attempts to contact via letter and phone calls to the bureau directly there still has not been any changes. This is in direct violation of various consumer acts. Such wrong information has negatively impacted 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 2023-05-23
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so these accounts need to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all XXXX the XXXX above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you to delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,

Company response to consumer: Closed with explanation