BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying to file a dispute with Experian regarding an inaccurate item on my credit report, but Experian will not accept the dispute saying it was previously disputed. I tried to upload additional documents to support my dispute, but their system keeps giving me errors, although it is the correct document format. I have had this issue with Experian time and time again. 
The item I am trying to dispute is the following : XXXX XXXX XXXX, Acct # XXXX ... 
This account is being reported inaccurately by XXXX on my credit report as a foreclosure or shortsale. This was a forgiven debt by XXXX in which they forgave the debt in a settlement with the DOJ. 
Experian needs to allow me to dispute this item, and they need to fix their website so that I can upload additional supporting documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I saw a solicitation online and called the acquisitions department to get further clarification. I spoke with an agent and they told me they couldn't advise if I was eligible without applying for the card. I asked to speak to the manager because that did not seem right. After a 15+ minute hold, the manager was unable to tell me if I would be eligible for promotion or not. He told me I must apply for a product that costs {$550.00} annually. When I asked if they could confirm the promotion and told me what made me ineligible, he responded " I don't have that information in front of me ''. I asked if he could look it up and he just repeated, " I don't have that information and I don't do that. '' I asked him to submit a UDAAP complaint which was not filed or any information taken for. When I asked if he could take my application, the manager said he doesn't do that and I can go online and apply. I asked the manager to please hold for me while I applied online and he promptly hung up. This was unfair and an extremely deceptive practice. 

This happened on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the XXXX XXXX account many times with all of the credit agencies. They have all removed it except for 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 explanation
Consumer complaint received 2016-07-04
Company: CORELOGIC INC
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Credco in XXXX XXXX, CA did XXXX hard credit inquiries XXXX day after the other on XXXX XXXX, 2015 and XXXX XXXX, 2015. I have no idea why they would pull XXXX hard copies reports on 2 consecutive days. I may have authorized XXXX, but, never XXXX in XXXX days. This is hurting my credit rating and XXXX should be removed as it is clearly a duplicate.

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 2016-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I check my credit report XX/XX/XXXX I seen all these things on my report I have no knowledge of. I immediately contact Equifax - I have so many dispute case numbers that Equifax email back to me I have them all printed out. I ask Equifax to verify these accounts - Equifax will soon reach out to me by mail or I can view the status online it states these accounts have been verified and I should reach out the company itself. I being to write the company 's all certified letters and I have all my certified receipts that the letters were received. Instead of the company 's sending me verification I received statements or invoices - letters. I still have these letters and all of the letter along with statements invoices were submitted to Equifax. I disputed inquiries yet still the same thing they have been verified and I need to reach out to the company and when I reach out to the company Im directed back to the credit bureaus. I have been going through this now for a year and a half and nothing verified. XXXX XXXX sent me a letter stating the account is listed as disputed and they will forward this to the credit bureaus so I waited and waited and yet still right today that account is still there. Then Equifax removes some accounts and since then have added them back with dates open as XX/XX/XXXX. After going back and forth with Equifax for one year since XX/XX/XXXX this have left me XXXX. I wrote Equifax regarding XXXX aka XXXX I was told to contact the company I contact the company just asking for PROPER VALIDATION of the accounts and its been a year and I have not received. EQUIFAX needs to realize they have broken the rules and laws and at this time Im not seeking compensation Im asking that I wait no longer just removed now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have made XXXX request with Experian to provide documentation that the credit bureau uses to verify the unknown collection accounts that are on my account. In the results of their first re-investigation, they stated in writing that they " verified '' that those collection items were being " Reported correctly ''. As of today, I have yet to be sent any documentation verifying those collection accounts. They have ignored my request to provide me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or CAN NOT verify any of those collection accounts and under Section 611 ( 5 ) ( A ) of the FCRA, the credit bureau is required to " promptly DELETE all information which can not be verified. '' I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I Sent in multiple letters to Transunion concerning my credit report about unauthorized hard inquires and debt that there are reporting. According to 15 USC 1692 G that have to abide by this law. I sent out multiples letters over the few months my last letter was sent on the XXXX of XXXX and haven't got a resolution from my complaints.

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 2016-11-16
Company: Optio Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I instructed via a written signed letter faxed to the debt collector that all further communication is to be through my husband as he has my POA for all financial matters - a copy of which I have offered to them if requested. I gave explicit instructions that only he is authorized to deal with this matter and gave both his cell number and his email address for that purpose. Shortly after faxing that letter, my husband received a call from the debt collector. He was told that they had to talk to me. My husband said no as per the faxed letter. The debt collector said they would try to contact me later. 

Clearly they have ignored my written instructions in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently applied for a refinancing of my mortgage loan. After my loan officer pulled my credit report and I checked it out, I found out that XXXX credit lines do not belong to me. 
They belong to my ex-husband whom I divorced in 2008. I have absolutely nothing to do with those loans and this is clearly a mistake made by the reporting agency. 
Equifax reported the incorrect info, even my ex 's name was on the report instead of my name. When I called their customer service, the person on the phone did n't even care. I told her that they are giving me someone else 's personal info and she was like 'yeaahh '. Also she told me that this my responsibility to prove that these are not my loans even though it was them who made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Southwest Credit Systems never contacted me about item they posted to my credit report and has not validated the debt, I called them and they said that the item they put on my credit is from XXXX years ago, I never knew anything about this debt until I checked my credit report. 
I did a quick check online and found many bad reviews about Southwest Credit Systems, this company is accused of harassment, scamming, fraud, verbal abuse, producing false documentations etc. 
I do n't believe that they are licensed to collect in my state and I have reason to believe that this might be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX PA XXXX XXXX XXXX XXXX Was paid in full XXXX of 2015. Zero Balance. I called the XXXX XXXX XXXX, and they told me I was paid in full and the only way to have it removed from my credit report is to report it to the XXXX Credit Bureaus. I did and the account is still in collections on 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 2015-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I did a loan modification with XXXX XXXX XXXX. After failing behind in my payments unfortunately, again after the modification, I did a deed in lieu of foreclosure with them. When I did the loan modification I was issued a new account number. The account number relating to the deed in lieu of foreclosure, is marked " paid and closed '' and " pays as agreed ''. My original account with XXXX XXXX XXXX with the original loan I received, ( before the loan Modification ) is marked as a current status of " 120+days past due '', which it should not be marked as such. I am requesting the current status be changed to " paid and closed '' or " pays as agreed '' or " closed ''. Equifax said they contacted XXXX XXXX XXXX and XXXX said that 's how the file should be marked as. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed incorrect information on my report. They did an investigation. They sent me back a response saying that the information was verified. I sent a request asking fro all information they received to verify the account and I got no response from them. Also after filing my report with you my credit score dropped XXXX points I found this to be very confusing. Noting changed and a drastic drop because I 'm trying to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I request Equifax remove the California tax lien that was filed and recorded in error from my credit report. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Equifax claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California code per the CA XXXX. California code requires the XXXX to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state would meet Equifax 's internal policy for removal of a California state tax lien filed in error. This is unacceptable. 
The CA XXXX XXXX XXXX has notified Equifax the lien was filed in error, and requested removal of the lien from my credit report as described on the supporting documentation and the lien filed in error section of this link : XXXX. 
Equifax did not comply. 
I attempted to get Equifax to remove the lien, and provided documentation. Equifax did not comply. As a result, I am seeking your assistance. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
on XXXX/XXXX/2017, I received a credit inquiry alert from Experian for the following credit inquiry : XXXX XXXX, the credit inquiry is fraudulent and unauthorized.

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 2015-05-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
All XXXX credit reporting companies, experian, XXXX, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my transition. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, XXXX. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: First Direct Lending, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello CFPB People, A solicitation letter advertising a mortgage is confusing to me. I can not tell if they are promoting a fixed rate mortgage or an adjustable rate mortgage or even basic terms of repayment. What do you think? I will attempt to forward the letter to you. 
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 2016-10-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the Insurance XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on Experian and XXXX. In XXXX, XXXX I received notice of my Insurance Billing and an updated billing from XXXX which indicated my Insurance Company paid their share and I paid my balance which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Experian and XXXX from XXXX for the original amount of {$47.00}. This should never have been sent to Collections and my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Experian and XXXX. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Experian and XXXX Mortgage Credit Scores are both in the high XXXX 's with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Experian and 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