BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They had XXXX late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to XXXX but they all say it cant be changed but the information is incorrect

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I have mailed 3 certified letters to XXXX, Transunion and XXXX to remove inaccurate personal information. Today, XX/XX/XXXX my personal information remained the same and they have not removed any of my requests.

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 2017-04-27
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , FL  XXXX  (  XXXX  )  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed items from my Equifax file or report on XXXX XXXX 2015 ( USPS Tracking Number : XXXX ). Eqiufax received my dispute notice on Tuesday, XXXX XXXX, 2015. The results I received from Equifax did not include any investigation and Equifax did not verify any information I originally disputed nor did they send me a corrected and updated credit report but only received pages from my credit report of items I disputed stating that the items were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The creditor never allowed me the opportunity in writing or otherwise to validate the debt. They moved forward with a lawsuit without allowing me to dispute the validity of the debt.

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 2015-06-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX of 2015 I bought a Truck and my Score was XXXX. On XXXX XXXX of 2015 my score went down XXXX points and on XXXX XXXX my score went down another XXXX points and no one at any of the agency 's can tell me why. I do n't understand XXXX points in 10 days with no activity except payments made on my credit card and my truck. I had my credit cleared except for XXXX Items which are XXXX XXXX, XXXX XXXX, and XXXX ( XXXX ) which were settled over a year ago and my score has remained steady for that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: VA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-03-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX had a policy on my car that would pay in the event of total loss, I had insurance with XXXX, my car was in an accident when a herd of deer ran across the road in front of me, I only made contact with one and it bent the frame of my car the cars value was {$11000.00} at the time of the accident, my bill was from XXXX for an initial amount of {$5600.00} to repair then the adjuster found more damage and wrote another check to repair shop for {$1100.00} more dollars and the car still pulled to the left, asked the adjuster why was n't it totaled, he said he had already totaled XXXX cars that day he would n't do another. the car wore out tires and pulled and made noises asked XXXX to tota it they said no, so I told them to come and get the car, to dangerous to drive, they then sold it for {$3000.00} and told me I owed them the balance of {$13000.00} .The company I bought my new car from called them while going through loan process and asked them why did n't they total it, they said have to take that up with someone else, and I still owed the original price of the car {$13000.00} after 2 years of payments of {$350.00} a month and are still trying to get me to come get another car for same payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America is trying to collect a credit card debt from a family member who does not reside in my home. I do not have a joint account with this family member and my contact information is not on their account. This family member has never lived in my home. The phone number they are calling ( work cell phone, ) is not known to my family member. It is noted that this family member is a beneficiary on my accounts However, this phone number IS listed on MY account that I have independently with BOA. I called them back and complained that they are using their internal accounts to find family members and she said " probably. '' I want to know where in their terms and conditions that I am subjected to collection calls for family members for debts that I do not owe? I have saved the voice mails to support this complaint. 

Additionally, is this not a violation of my family member 's privacy for you to call people outside of their residence to discuss a " personal business matter. ''

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 2015-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX banks are reporting wrong as XXXX XXXX XXXX, XXXX and XXXX should notbe their! XXXX accts were paid in full 15 yrs ago and XXXX did n't beloing to me! XXXX credit bureaus are reporting wrong XXXX, Experian and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: VA
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 UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. XXXX SHOCKED HOW IT HAPPENED.

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 2016-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is still reporting XXXX tax liens ( public records ) that should be removed from my credit file. I have disputed this with them several times over the last year, sending them IRS forms 10916 ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Just recently, they removed XXXX of the XXXX tax liens, however they are STILL reporting XXXX of the liens. Please see the attached IRS documents supporting that these tax liens legally need to be DELETED from my credit file. Tax Liens that need to be deleted below : Case No : XXXX / SN : XXXX XXXX XXXX - XXXX XXXX XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to get my report and was unable to do so even though I tried through all three companies. Experian said they were " Unable to honor your request. '' XXXX told me I had already received it and XXXX said there was an error and that my report could not be pulled. I have essentially no credit history because I have never borrowed money but I need the report for a job application and have obtained one before for this purpose with no trouble. I am wondering if the issue is that there 's no history so there 's nothing to pull. Called a few numbers and got no help. Ca n't even request one to be mailed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Got an Experian credit report as suggested by XXXX sheriff 's office. I want to refute XXXX items on the report. No matter how many times I call, I can not get a live person on the phone. the following address in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX it is not now, nor has it ever been our address. 
There is also a Credit card with a {$4500.00} balance. We did not charge anything in that, or near that amount, nor do we carry balances on our credit cards. This may be something regarding the call we got from our XXXX XXXX Card approximately a month ago, someone tried to charge {$4500.00} at XXXX XXXX, after speaking to us, they did not approve the purchase..

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 2015-06-30
Company: Esser, James & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My boyfriend received a call from Esser James and Assoc. stating that they were trying to collect on a debt I owed them. He went into detail on when I last paid this supposed debt. My boyfriend got the info and called me right away. " XXXX XXXX @ XXXX ''. I called the number but XXXX XXXX was in a meeting. The guy that answered pulled up my account # XXXX. He explained how I needed to pay the debt owed and when I questioned who he was he stated " his clients would get paid regardless and I would be paying thousands in legal fees '' I stated I wanted something mailed to my address and told him I had never heard of this company and that I have my credit monitored and there is nothing on my account by this name.He laughed at me and said " lady either was you'r going to have to pay you either work with me or suffer the consequences. I told him I was n't going to be intimidated and he said if I felt I was being intimidated why do n't I hang up. So I did. This company is harassing friends and associates of mine claiming to know all these details about me and I need to know how to stop them. I did have bad debts but they 've since been paid and as I mentioned I do credit monitoring now as a result. Please advise how I can get them to stop calling me or at least prove they 're legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Personal information incorrect

Complaint:
I contacted discover today at XXXX EST on XX/XX/2017 and spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.

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 2016-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. I have submitted my ID, Social Security Card to prove that is not me and to the creditors but to no avail. I would like to get this handled and removed off of my credit.

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 2015-06-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have contacted Experian via telephone which has cost me a lot of expensive cellular minutes referenced to their decision to change information on an old debt that supposed to be remove on XXXX, XXXX due to the XXXX years statue of limitations. 
But, Experian is refusing to comply with my request with reference to XXXX XXXX XXXX, XXXX. Partial Account number XXXX. The dispute account had a date of removal of XXXX XXXX. But, Experian decided NOT TO MENTION this date anymore!! 
On report number XXXX, Experian FAILED to mention when this XXXX years old dispute account will be remove. 
According to the credit report rules, old dispute accounts have to show a DATE OF REMOVAL. 
Experian is not complying with the mandatory rules of posting accurate information about the removal of old dispute accounts, which is not beneficial to my credit report files. Very unfair indeed!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from 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 2017-09-26
Company: EQUITY LOANS LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought a house recently but had serious issues with the mortgage lender/loan officer I did business with. XXXX XXXX XXXX is his name. He was previously with Equity Prime Mortgage but is no longer employed by them. Equity Prime was very helpful with this complaint. XXXX XXXX, during the process, advised me that his company pays the up front fee for the appraisal ( {$550.00} ) and he has already paid the company for that fee. He then asked me for a personal check to reimburse him ( {$550.00} ) to which I agreed. He was supposed to credit this money at closing. About a month later, I got an email from the appraisal company asking to pay the appraisal fee. XXXX XXXX then told me there was a mix up and the company did not pay for the appraisal and told me to pay it to them and he would credit both fees at closing. I unfortunately agreed. At the end of the process, XXXX XXXX attempted to have me sign a mortgage at 4.25 %. I did n't agree with the terms and was able to procure a rate of 3.75 % the same day with another company. Therefore, I did not close with Equity Prime or XXXX XXXX. I asked him then to repay the {$550.00} I personally gave him and he stated he would when he got it back from the company. I have since learned that he is no longer employed by Equity Prime and they did n't know about the money as they never ask for personal checks or money. He has not repaid me and will not answer my requests. 
XXXX XXXX XXXX XXXX NLMS # 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 2017-01-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
Like your recent consent order with the credit reporting agencies, I requested a Free Credit report from Experian on XX/XX/2015, expecting to receive my credit score for free as advertised on the website. Through clicking through the options to receive my " free '' score, I was unknowingly enrolled in some premium credit monitoring which was billed to me in three separate transactions : {$1.00}, {$21.00}, and {$39.00}. I disputed the charges directly with Experian, who refunded the {$39.00} which was an annual fee, but I did not receive a refund for the {$21.00} since time had elapsed since I had " enrolled '' and thus they determined I was " using the service '' which is obviously a bogus claim. I do n't seem to be an Affected Customer under your recent Consent Order but from my experience it sounds like these deceptive practices were also ongoing at Experian.

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 monetary relief