BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which contains several negative items that I would like to dispute. Specifically, I have identified several pieces of personal information and credit accounts that are either incorrect, questionable, or fraudulent. 

Firstly, I would like to address an inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, I have identified an account under XXXXXXXX XXXX  with the account number XXXX. I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

Thirdly, there are several pieces of personal information on my credit report that are incorrect. These include the account name XXXX, XXXX, the account name XXXX, XXXX, and the account name XXXX, XXXX, XXXX. None of these names belong to me, and I request that they be deleted immediately from my report. 

In addition, there are two addresses listed on my credit report that are not correct. The first is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, and the second is XXXX XXXX XXXX XXXX XXXX, WI XXXX. Neither of these addresses belong to me, and I request that they be deleted immediately from my report. 

Furthermore, there are two accounts listed under the names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, respectively. Neither of these accounts belong to me, and I request that they be deleted immediately from my report. 

Lastly, I would like to address two accounts under XXXX XXXXXXXX with account numbers XXXX and XXXX. For the account number XXXX, I request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. For the account number XXXX, I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

I trust that you will investigate these matters thoroughly and take the necessary steps to remove any incorrect or fraudulent information from my credit report. Thank you for your attention to this matter. 

Sincerely, 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 2022-04-06
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I filed a complaint with Lexis Nexis back in 2021 via the phone and never received anything back. Ive called several times with no help and I have emailed customer support only to get the same automated response each time. An inaccurate bankruptcy is being reported on my report and its showing on credit reports because of it being on the Lexis Nexus report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
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, 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 2020-10-02
Company: Receivables Management Partners, LLC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to the XXXX XXXX XXXX 'XXXX XXXX XXXX in XXXX, Idaho in XX/XX/2019 for a XXXX  and walked out with almost {$5000.00} in medical bills several hours later. I felt the medical tests they ran were unnecessary. I spoke numerous times to the medical billing office to see if someone could see reason. I also examined the listed medical prices online and found the prices I was charged were radically inflated. The hospital refused to negotiate or reason and sent me to a collections company. I spoke several times to that collections company and was told they'd send me a copy of the bill ( which I have already. ) That's the last I've heard of them, but both the hospital and the collections company warned me this would affect my credit.

I just refinanced my home, and my once stellar ( XXXX  ) credit score had been so affected, my rate was higher and there was a medical collections on my credit report. I don't know what to do at this point.

{$5000.00} for several hours in a waiting room, and a diagnosis of " rest and drink liquids '' is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To my under standing XX/XX/XXXX through XX/XX/2020, the interest rate is set to 0 % and payments are suspended for student loans owned by the federal government and the federal student loan servicer should suspend all interest After viewing my fedloan account XX/XX/2020 I noticed that fedloan charged me interest for the month of XX/XX/2020 as well as XX/XX/2020 stated above 0 % interest was to be implemented starting XX/XX/2020 my payment of {$660.00} was paid on my due date of XX/XX/2020 payment was not applied to my account until XX/XX/2020 and with interest My payment made on XX/XX/2020 XX/XX/2020 Payment {$660.00} principal {$180000.00} This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$160.00} DIRECT UNSUB CONSOLIDATION LN interest charged {$250.00} DIRECT UNSUB    CONSOLIDATION LN interer charged {$240.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2020 Payment {$660.00} principal {$180000.00} Payment - XX/XX/2020 This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$170.00} DIRECT  UNSUB CONSOLIDATION LN interest charged {$260.00} DIRECT  UNSUB CONSOLIDATION LN Interest charged {$220.00} There's no difference in the principal an if interest is not being charged I should see my principal going down as you can see the principal for XXXX remain the same big discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent disputes for the last 3 months but have not received any updates or an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for XXXX or XXXX XXXX purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXX XXXX  as well.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 resubmitting 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 any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA 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 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 2020-10-02
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: Investigation took more than 30 days

Complaint:
Experian is reporting wrong information on my credit report. I am extremely stressed and worried. I have sent dispute and its been over 30 days and they failed to respond. They are breaking the law.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wanted to follow up regarding my recent update, as I've noticed that there hasn't been any deletion of items in response to my previous queries. I have sent multiple letters to the Credit Bureaus requesting removal, but unfortunately, they only removed items once, and I didn't see any significant improvements afterward. This has left me feeling a bit disheartened. I understand the importance of maintaining an accurate credit report, and I believe that the removal of these items is crucial for my financial well-being. I kindly request the removal of the following items from my credit reports : EXPERIAN : 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 XXXXXXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$870.00} XXXX  XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: SC
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've sent certified mail to these companies to request authorization from the following Companies : XXXX XXXX XXXX XX/XX/XXXX, $ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXXXX/XX/XXXX, {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$300.00} XXXX XXXX, {$230.00} XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX, {$200.00} XXXX XXXX XXXX XX/XX/XXXX, {$500.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-06-28
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've sent certified mail to these companies to request authorization from the following Companies : XXXX XXXX XXXX XX/XX/XXXX, $ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXXXX/XX/XXXX, {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$300.00} XXXX XXXX, {$230.00} XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, {$200.00} XXXX XXXX XXXX XX/XX/XXXX, {$500.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-08-28
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 information incorrect

Complaint:
I have had problems with Equifax since 2019. Equifax finally, has added my information back the information is old and not updating. I have already called the creditors and they have reported to all 3 credit bureaus but Equifax has not updated my file. It seems to be stuck in time compared to my XXXX and XXXX are not updating it. The only thing that is changing back and forth is my utilization and I don't know why it is doing that if my credit report is not updating going on 3 months. I have tried to apply for loans and the creditor is saying that my Equifax file has a security freeze hen there is not a security freeze and I have verified this with Equifax. I believe there I a problem with my file and that it may be a duplicate file with 2 addresses? I only can verify through Equifax under my old address when I have updated my file and it shows with my new address. Equifax is one the WORST companies I have ever dealt with and they hold people person information it is just unbelievable how long I have been trying to get my file. I can't even get my file verified to get a loan which is a hindrance to no fault of my own. Not even a pre-approval for a mortgage because I am at the mercy of the incompetent mega-corporation that hire idiots to run it. I need to be fixed

Company response to consumer: Closed with explanation