BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time in XXXX of XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any Debt and have been a Customer who has always paid on time for Services or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home in XXXX of XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the Collection was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over 30 times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day 1. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service Database, XXXX informed me they contacted Experian and XXXX to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to 60 more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for 30 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Per the FCRA I contacted the merchants in question and submitted a request to verify/validate information that was listed on my report in regards to payment history. On my credit report there was a XXXX accounts that showed late payment ( s ) which i disputed and offered to provide documentation showing that the information was not correct. When I attempted to contact Experian to file a dispute they told me that it was up to me to file the dispute with the merchant which I explained was incorrect per the law and that they were required to submit a dispute on my behalf and provide me with the results of this dispute. After asking to speak to a supervisor the rep then hung up on me.

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 2022-11-12
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:
Name of Company : XXXX Name of account : XXXX CARD Account # : XXXX I asked the credit bureaus to do a verification of everything on my credit report, which they stated that they verified/updated the information. I did my own research and have still found improper inaccuracies on my credit report even after they stated the information is verified/updated. 

The dispute letter I sent to the credit bureaus on XXXX/XXXX/22, which I have the XXXX receipts for. They sent me back the response on XXXX/XXXX/22. 

The inaccuracies are in Date opened and Date last active, all showing different information, even after their investigation. Even the high credit and credit limit portions are showing differing information. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 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 2020-01-19
Company: Experian Information Solutions Inc.
State: TX
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 RECENTLY MOVED TO XXXX XXXX  IN XXXX OF XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN XXXX  AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM EXPERIAN AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/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 2016-10-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do not know this company and was not provided no specific update information when it was updated on my credit report. Just a different name and that I do not recognize and this do not belong to me.

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 2017-03-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My Credit Score with Experian dropped XXXX points ( between XX/XX/XXXX and XX/XX/XXXX ) after I paid a credit card balance ( {$240.00} of a $ 3,000+ credit limit ), which was not past due. I called customer service on 5 separate occasions to gain understanding. No one was able to explain why my score dropped. Nor were they able to explain what benefit my monthly paid membership provides to resolve such discrepancies. The only negative marks my credit history are from a late payment in XX/XX/XXXX ( which was paid monthly from XX/XX/XXXX thru final payment in XX/XX/XXXX ). I would like an investigation on the practices of Experian, their lack of disclosure about how scores are calculated and disclosure of the discrepancy from the other XXXX reporting agencies ' scores that reflect positive scores ( stabilized or increased rating ) for positive actions ( payment of balances ). A monthly fee of {$21.00} is supposed to " provide tools to help manage my financial future, '' but no actual tools are provided. The monthly membership seems to be a fraudulent practice preying on consumers attempting to repair or maintain good credit ratings.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
A couple of weeks ago, I was notified that someone other than me had requested the log-in information for my XXXX account. Afraid that i was at risk for identity theft, I went to experian.com and paid for one of their credit reports ( which pulls from all XXXX reporting agencies ) to reassure myself that nobody had successfully stolen my identity ( YET ). During the process of purchasing the report, apparently I also signed up for a 7-day trial " credit tracking '' service, and agreed to have {$21.00} charged to my credit card on a monthly basis starting at the end of that 7 days. 
I do not recall agreeing to this, and of course I was anxious about the potential for identity theft, so I may have missed it. HOWEVER -- I think this a deceptive and disheartening initiiative on the part of Experian -- XXXX of the agencies I trust to help ensure that my credit is accurately represented and to help me identify any fraudulent use of that credit is pulling the same sort of sneaky " extra service '' shenannigans that XXXX XXXX and other credit card companies were pulling just a few years ago! I would like my money back, but have been assured by a banner on the experian web site that I will not receive that -- which to me indicates that I am not the only customer upset by this practice. I believe this was opportunistic on Experian 's part, as reports of tax fraud were rampant in the media. 
I hope this agency will hold Experian to a higher standard. This behavior is a little weaselly for a credit agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX said I owed a balance from an old bill and have been reporting me delinquent for over a year. They never contacted me to pay it. I think they should delete this from my credit and waive the charge for this inconvenience and wreck of my credit. The account number is XXXX and amount is 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 2016-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

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 2022-11-12
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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.

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 2015-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When I brought up my credit score, as a service from XXXX XXXX, it continues to say '' serious delinquency ''. I called them and they said they get their information fromExperian. I have asked you guys for MONTHS to help me with this and you have done NOTHING. I have responded to endless letters, forms, I have called ... do I need to get my legislator involved? NO ONE WILL TELL ME WHAT THE SERIOUS DELINQUENCY IS WITH MY CREDIT SCORE. I am not in serious delinquency on anything yet it continues to show up!! What in the hell is it? Why wo n't you help me? Do I need to get an attorney?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
My friend was helping me by co-signing for my residential rental. She obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$1.00}. Then they started charging her credit card ( she paid for me ) monthly for ongoing monitoring that I was unaware we was signing up for. Unfortunately I did not notice right away. It was {$21.00} a month. I called Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. My friend did n't see/notice this fine print. I looked online at XXXX to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. My friend has now been billed for this monthly fee for 4 months starting in XXXX. Experian refused to refund the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection date was opened on XX/XX/XXXX, on a XXXX XXXX  lease signed in XX/XX/XXXX. The collection amount is {$8800.00} by Aldous and Associates PLLC and this debt collection is very unforgiving due to unforeseen circumstances. I was ready to move into the apartment but I did not get the chance to because of the COVID-19 impact on the US in XX/XX/XXXX. I tried calling the apartment and negotiating with them to break the lease since I would not be able to move into the apartment due to the nationwide lockdown and the cancellation of in-person school. The apartment was uncooperative and did not give me an option to pay a fee to break the lease. I did not even move in or obtain the keys to the apartment but they still charged me the price as if I lived there for a full year. As a student, I was put in a difficult position and did not know what to do with this lease that I was not even able to live in because of the unexpected pandemic. I hope that there would be lease forgiveness just like there was student loan forgiveness because the past two years were tough on everyone. I would never have broken lease agreements or not paid off my apartment lease if the coronavirus did not prevent me and many others from attending school and living in student housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: VA
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 2016-12-07
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have student loans with XXXX, XXXX, and ACS. With XXXX and XXXX, I file paperwork once a year to enroll in income-based repayment ( IBR ), and my enrollment is good for one year. This is how IBR is supposed to work : yearly enrollment. However, with ACS, I have repeatedly had to enroll in IBR multiple times per year. Every year for several years now, I have enrolled in IBR with ACS, only to be knocked out of IBR, and then I again must submit paperwork to ACS to re-enroll in IBR. This is time consuming and results in being placed in the standard repayment plan, which means that until I again enroll in IBR I risk defaulting on my loan if I do not make full payments. Plus, as far as I know, ACS only accepts IBR enrollment through mail or fax and can take several weeks to process the paperwork, whereas XXXX and XXXX accept enrollment in IBR online and through e-mail and process documents much faster. I am tired of dealing with enrolling in IBR with ACS multiple times per year every year. This practice should not be allowed and increases the likelihood that loan holders will default on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from '' date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2015-04-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Ive attempted to file a dispute with Experian numerous times via their website and have been unable to, they request information sent via mail, this information was already provided to prove identity. I submitted social security number, address, DOB, etc. Still, they request information be sent, which makes no sense as I am able to view my credit report but not make any disputes. I pay a monthly membership fee and should be able to file online disputes as part of paid membership. Their rep stated other people are having the same problem, it appears to be a technical issue on their side. Whatever the case may be, I pay a monthly membership and should be able to file disputes online as I am able to view my credit report. Do not mark this as duplicate as additional information has been provided here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation