BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian will not re-investigate my disputes even after sending them new information. They continue to report items on my credit reports that are inaccurate and must be removed. These items has already been removed from XXXX and XXXX after sending each credit reporting agency the exact same information. This shows me that Experian did not do a full investigation and continue to report this inaacurate information on my credit report.

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 2015-12-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/XXXX I disputed a XXXX Acct # XXXX .... asking them to verify all info. Experian responded to that dispute on XXXX/XXXX/XXXX and reaged the account and changed previously reported information. They changed the date opened from XXXX on XXXX XXXX, XXXX to XXXX on XXXX XXXX, XXXX. They changed the " date of status '' from XXXX on XXXX XXXX, XXXX to XXXX on XXXX XXXX, XXXX. The " on record '' date changed from XXXX XXXX on XXXX XXXX, XXXX to XXXX XXXX on XXXX XXXX, XXXX. In addition, on the XXXX XXXX XXXX report the " account history '' showed as OK until XXXX XXXX & then XXXX for XXXX XXXX. On the XXXX XXXX XXXX report, the " account history '' now reads OK until XXXX XXXX, then " XXXX '' from XXXX XXXX to XXXX XXXX and XXXX in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a called from XXXX XXXX XXXX stating that there were deposit from her account to my account of XXXX and she told me to please sent back the money and I did. Seen them well Fargo paid XXXX XXXX from my account because she was a victim of a fraud, I never got reimbursed for my money and now my account it overdrawn and closed. 

XXXX XXXX XXXX XXXX Complaint Number 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 2016-10-10
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed a lease with XXXX XXXX at XXXX XXXX to start in XXXX 2012, but in XXXX 2012 I had a personal family emergency and could no longer leave home. Because of this I called the leasing office to see if I could break the lease anyway and we came to the conclusion that if I paid the first months rent then they would be able to put someone from the wait list into what was supposed to be my room. After I sent the money for the first month I did n't hear from the apartment complex until 6 months passed when I received a bill for {$3200.00}. When I called the apartment complex to look into the purpose of the bill they said there was no record of the agreement and said they would be sending the debt to collections. Which is when I began to be harassed by Southern Managment Systems and since then I have been threatened with a fraudulent claim, I upheld my side of the initial agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
my report received- # -XXXX-is violating my constitutional rights for a correct credit report and score. the bureau Experian is smearing me by embedded addresses, inquireies, and refusing to investigate the wrong negatives on my credit report. I have made contact with them numerous times and all they give is a embedded answer and nothing done ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I moved in XXXX to a new apartment. Since my current internet service XXXX XXXX XXXX XXXX was not available at the new location, I paid off my what I thought was my last XXXX XXXX XXXX XXXX XXXX and canceled my service. A year later, in XXXX, I had to move again. This time I could n't qualify for my new apartment due to a bad credit rating from XXXX XXXX XXXX XXXX! Instead of mailing the bill to me, XXXX XXXX XXXX had sent me to collections for {$86.00}. I had no idea that the bill even existed. I had changed my address with USPS and I received other bills/correspondence in the mail at my new address, but XXXX XXXX XXXX never attempted to contact me. I was able to pay the {$86.00} and get a print out showing proof I had paid it off and I did get the new apartment. It is now XXXX, and I am moving again and what shows up on my credit report? A collections entry for XXXX XXXX XXXX still! I have my bill conformation from XXXX XXXX XXXX as proof I paid it off. I want it off my credit report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is refusing to do an accurate investigation. XXXX XXXX company is reporting an inaccurate balance owed on the account. I disputed the information and in XXXX day Experian sent notification that info is inaccurate. Experian refuses to accurately report my information. They are a second rate reporting agency. XXXX is also reporting inaccurate information. I do not have a balance with them. I dropped coursework before the deadline yet they 're reporting that I owe nearly {$3000.00}. It 's as though consumers have no standing against companies reporting inaccurate info And the credit reporting agencies support this mess.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
The items XXXX XXXX and XXXX XXXX XXXX, are duplicates of the XXXX account being reported on my credit report. This double jeopardy '' The same account school loan account is reported multiple times, this is a FCRA violation. '' I am requesting that the items XXXX XXXX and XXXX XXXX XXXX be deleted ( or request another specific change ) to correct the information. 
Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) supporting my position. Please re investigate these matters and delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Highlighted section of credit report that identifies the duplicate accounts

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 2015-07-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a XXXX dollars corporation.In the meantime they are messing up my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.

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 2015-06-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Another woman with the same name XXXX XXXX lives in XXXX and has either used my social security number or the Original Creditors have added her information to my Credit accounts along with bills from local hospital. Experian has been notified today. 
Also a business was listed as well on my home address that has never been established at this residence. I have rented for the last 13 years and that is also inaccurate information that needs to be removed. 
Some addresses are also being removed that I have never lived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After reviewing my Experian credit report I was very concerned to realize that I had XXXX negative listed that are all medical from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Experian. I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Experian and XXXX XXXX multiple times. I do n't know how Experian Or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Experian the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
XXXX XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor 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 2016-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian is refusing to remove an old account XXXX XXXX account number XXXX that is not attached to another account and it has been on my account since 2005. I have never paid on this account nor am I familiar with it. I am asking for it to immediately be deleted from Experian report. I am also attaching a case number for a police report, for fraud and fraudulent inquires, please apply extended credit for seven years to credit report.

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 2016-08-23
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. Experian GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.

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 2016-12-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a loan modification through Carrington Mortgage. I was up to date with my payments at the time I applied. XX/XX/XXXX-XX/XX/2016 while my loan was being reviewed for this modification, Carrington did not post my payments to my account. This concerned me and I called several times to make sure it would not be reported to my credit that I was not making my payments. I was assured this would not happen and that Carrington did not report to the credit bureaus during this time. Of course that wasnt true and it was reported to my credit bureaus I was 30 days behind and my credit score dropped XXXX points. Although I had attempted to be proactive and called several times this still occurred and I was required to write a letter and fax it to Carrington and wait 3-4 weeks for it to be 'researched '. Many phone calls, faxes and weeks later it was removed from my report and I was approved for a 'trial period ' modification. To show I would make the payments although I had never missed payment anyway. 
This trial period required that I make my first payment XX/XX/XXXX and no payment for XX/XX/XXXX because everything had been calculated i was told. Again I was concerned about what would be reported to my credit I was told Carrington doesnt report during this time but a special code is placed on the credit bureau that you are in a modification agreement. Of course that was not true. Because of my past experiences with Carrington I made my first trial period payment XX/XX/XXXX anyway, however Carrington is now reporting that I am 90 days behind and my first delinquency started XX/XX/XXXX. I made my payment XX/XX/XXXX. My credit score has dropped XXXX points. My credit cards are cancelling my credit lines although I have never missed a payment to them either. I was passed over for a promotion at work because of this. I want Carrington to correct this issue and I feel they should have to make some sort of concession to me considering the effect it has had on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/2015, Equifax, which merged my credit report with that of my sister unlike XXXX and XXXX, has sent me an email, indicating that the results of one of the disputes that I had started with them ( dispute confirmation # XXXX XXXX are now ready for me to view. Their so-called investigation results say that Equifax " verified '' that the items that belong to my sister, NOT me, belong to me, which is impossible! And I know, for a fact, my sister has NEVER used any of my information because the loans, installments, debts, credit cards, etc. that Equifax claims are mine do NOT show up on my XXXX and XXXX credit report as XXXX and XXXX show ONLY the loans, installments, debt, credit cards, etc. that belong to me. This is purely the fault of Equifax and their incompetent staff. They are the ones that started this mess yet they refuse to fix the very mess they created in spite of my wasting weeks trying to help them fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is, in my opinion, ruining my credit report on purpose. It is amazing at how inept they are being about fixing their own mistakes. I have sent them XXXX letters already, telling them exactly what was wrong and what they needed to fix and they have been responding with crazy statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should 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 non-monetary relief
Consumer complaint received 2015-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went through the free annual credit report online and had no problem wwith XXXX and XXXX online reports when I tried XXXX they form wanted me to sign up for a account and needed my credit card information and other personal info not required. I talked to a XXXX who argued that I had to sign up for a free membership with a {$14.00} a month trial period he refused to transfer me to a supervisor and gave me the wrong number to request it by mail. I called XXXX who also refused to send the report as required by law every year! Someone hacked into my XXXX and got into my XXXX account and ordered {$2000.00} worth of XXXX and XXXX. I just wanted to know if someone had applied by asking trans union! They totally refused and were extremely rude and hung up on me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed an account which it was fraudulently put on my credit report.XXXX # XXXX I demanded proof of signature for verification because it was obvious that all my information was utilized to obtain resident. I have previously reported identity theft but they refuse to remove this item from my credit report because they confirm name, ss #, dob, and any other information which does not verify it was my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Ad Astra Recovery Services Inc
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was under the impression I had satisfied this loan XX/XX/XXXX when I paid {$1000.00}. I moved XX/XX/XXXX ; and never received any further correspondence from original creditor XXXX therefore, I was n't aware that I owed anything further. I discovered the debt on my credit report on XX/XX/XXXX, from XXXX Recovery Services , Inc. indicating I owed {$580.00} more. I called the debt collection agency on XX/XX/XXXX, after checking my credit report. I explained that I had paid all that was due ; and I had moved XX/XX/XXXX ; and had not received any correspondence regarding the further debt. I requested the agency send me out proof of the debt and they agreed to do so in a few days. I have yet to receive the information. I mailed a Certified, Return Receipt Letter to XXXX Recovery Services , Inc., postmarked XX/XX/XXXX, requesting proof of the debt and the debt be immediately removed from my credit reports until I have valid proof the debt is owed since, I never received any previous correspondence via mail or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
IRS sent a notice of a tax lien. Upon the same date of making payment, XXXX/XXXX/2010, I learned that a tax lien was filed. Have not been able to get any help from IRS or credit bureaus as to why a lien was filed on the same day it was paid.

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