BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS COMPANY XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX SENT EXPERIAN AND XXXX PUT A COLLECTION ON MY ACCOUNT WITHOUT ANY NOTICATION. THIS IS A FRAUD ACCOUNT, NO PAPERWORK WITH SIGNATURES, COPY OF SOCIAL SECURITY AND CONTRACT TO PUT THIS KIND OF INFORMATION ON MY CREDIT REPORT.THIS IS A FRAUD ACCOUNT AND A COLLECTION COMPANY WHO IS NOT PLAYING BY FEDERAL LAWS DEALING WITH FAIR CREDIT REPORTING AGENCY. LAWS ARE HERE TO PROTECT ALL OF US NOT JUST A FEW WHO CAN BEND AND BREAK LAW WHEN IT FIT COMPANY. THEY SHOULD BE FINED AND LOOK INTO. THIS IS NOT RIGHT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian reporting that I owe XXXX {$680.00}. I paid the account out in XX/XX/2021. It should have XXXX balance.

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 2017-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted an initial dispute directly with the credit collection furnisher and credit reporting agency XXXX XXXX regarding debt that did not belong to me and received an initial response from the credit furnisher with their evidence ( address, name, medical service provided and dates ) to support their investigation that resulted in them stating the information was mine. The reported this same conclusion to the credit reporting agency Experian. 

I responded to their results with addition information including court records supporting my dispute including the fact that, I never resided at the address stated, never had a medical insurance policy with the company listed, and had been divorced many years prior and their was no joint debt or liability for debt from my marriage. 

I received confirmation of receipt of this correspondence by a signed certified mail receipt form the company. It has since been over 40 days since their receipt of this second dispute with additional supporting information and I have yet received a response. FCRA requires that Credit Furnishers supplying information to credit reporting agencies that adversely affected investigate and report results of their investigation within 30 days. In my case this has not happened. The Credit Furnisher also responded to a dispute through the credit reporting agency that this information remain without further investigation. After disputing this through CFPB the Credit Furnisher has agreed to re-investigate the evidence provided up to 60 days but has already gone beyond the FCRA required timeline for a response to my direct dispute.

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 2017-02-19
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have on numerous occasions supplied Experian with a copy of my Notarized and signed ID theft affidavit and letters from the Office of the Comptroller of Currency and XXXX in regards to an account that was opened at XXXX fraudulently due to ID Theft. Experian has failed to honor their legal obligations regarding ID Theft and has continued to allow the account from XXXX to remain on my credit report. This is even after XXXX has contacted me by letter and through the Office of the Comptroller of Currency stating that this account would be removed from my credit reports. 

On my last dispute XXXX and Experian even updated the account even though XXXX has promised to remove this account from my reports and XXXX ( which XXXX sold the account to ) has removed it from my reports due to it being opened due to ID theft. 
The multiple falures by both XXXX and Experian to honor their word and/or legal obligations has caused me both financial difficulties ( increased insurance premiums, increased deposits, increased interest on open accounts ) but has also caused me 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 2016-01-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account ( s ) listed herein are inaccurately reporting on my Consumer Credit Report. XXXX and XXXX. I request that the items be re-investigated and removed from my credit report.Please remove all items that the creditor who has reported them can not verify. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. I additionally request that Experian go beyond a cursory investigation into the reliability of the information that is reported by the alleged creditors and or collection agencies.

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 2016-01-06
Company: Alliant Capital Management LLC
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They called my work repeatedly after I asked them to stop. Called my personal phone at all hours of the night leaving rude messages threatening to take legal action. I called them back, very rude customer service. They told me they would settle for a ridiculous amount of money that I do not even owe. We finally agreed upon a settlement of {$800.00} when I spoke to them XX/XX/XXXX, when I spoke to them again after XXXX they changed the amount once again. They went from {$1400.00} to {$1000.00}. They have agreed to let me pay {$1000.00} only if I make two large payments of {$500.00} in XX/XX/XXXX and XX/XX/XXXX. I told them I do n't have the money they said to borrow it from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  opened XX/XX/2014 is an account that was fraudulently open 8 years ago. 

Yes this is fraud, however ; this is an account older than 7 years and must be removed on that very fact alone.

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 2016-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Experian Dispute XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX {$5900.00} XXXX {$270.00} {$5900.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX {$290.00} XXXX - {$290.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2016-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX obtained a copy of your EXPERIAN Credit Report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX via phone, letter, and contacting Experian requesting to provide me the physical evidence ( documentation ) that confirms I authorized XXXX to run my credit with Experian 2 times. Both parties have failed to respond to my request. Copy of the letters can and will be submitted upon request.

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 2016-06-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Equifax froze my credit report without my permission or request. They will not unfreeze it unless I provide a special identification number which I do not have because I did not request the freeze in the first place. I need my reporting unfrozen so I can apply for a credit card and there is no way I can get Equifax to do it. 
My name is XXXX XXXX XXXX. SS # XXXX. My address is XXXX XXXX XXXX XXXX, XXXX, NY XXXX my email is XXXXXXXXXXXX. My phone number is XXXX. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried to get my free annual report or to buy one from Equifax numerous times. Their identifying information questions contain information that does not apply to me ( what mortgage do I have, what is the monthly payment, do I have any of several credit cards that I do not have, etc ). When I answer these accurately " Not applicable '' it says I have entered incorrect information. When I try calling them they do the same thing - the information they are looking for is incorrect so it is impossible for me to access my report. I have never had a mortgage, car financing, department store credit or any of the other things they insist I have and want me to identify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FCR Collection Services has been contacting me via robocall and text message since XX/XX/2022 for a debt that I do not owe to XXXX. 

XXXX has not provided me with a written debt validation notice or any basic information. 

Between XX/XX/XXXX and XX/XX/XXXX, FCRs messages did not reference any company name. I assumed these were phishing attempts and did not respond. On XX/XX/XXXX, XXXX referenced XXXX by name for the first time. They texted me again on XX/XX/XXXX and named XXXX. Since then, they have robocalled and texted me numerous times, but XX/XX/XXXX and XXXX are they only dates XXXX has been referenced. I am attaching XXXX screenshots. First ( Attachment XXXX ), the transcription my XXXX provided of the first voicemail I received on XX/XX/XXXX ( note that my phone incorrectly transcribed XXXX as XXXX ). Second ( Attachment XXXX ), the XX/XX/XXXX and XX/XX/XXXX messages that first referenced XXXX. 

On XX/XX/XXXX, I sent XXXX a letter by certified mail to the address on their website disputing the debt and requesting a written debt validation notice. The letter was returned to me as undeliverable. I am attaching a PDF of my letter ( Attachment XXXX ), as well as a photo of it returned ( Attachment XXXX ). 

XXXX continues to contact me by robocall and text message. I am attaching screenshots of a voicemail I received yesterday, XX/XX/XXXX, that shows they continue to not provide any basic information about the debt ( Attachments XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I submitted a priority mail letter to Experian to remove an inquiry that was made on XX/XX/2022. This inquiry was not a permissible purpose in pulling my credit without a firm offer of credit. 
I requested to delete this inquiry in an effort to maintain an accurate credit file and reflect my creditworthiness. 
This is a clear violation of the Fair Credit Reporting Act.

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 2015-11-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax still refuses to take off my Oregon State Tax Lien that has been deleted from record. 
They say it says released but do n't get to the part where it says extinguished. I contacted Attorney General XXXX XXXX and told her of this issue. She told me to give this XXXX more try before she has to step in. I sent the file to XXXX XXXX and she told me yes it extinguished means it has been deleted from record. I have gotten the same answer from the court house several times. XXXX XXXX said it should n't be on my credit reports like the court house told me several times. XXXX XXXX told me the same thing, that Oregon State is n't a data furnisher and that they do n't provide information to the credit bureaus. Experian and Transunion have already deleted this off my credit reports and told me that they had to because it does n't exist anymore. I want this resolved this time because this is getting tiring. If I have to take this farther, I will do so. My outcome is to have this Tax Lien deleted off my credit report and for me to be done with this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
i just ran a credit report and one of the address on it its wrong never been there so iam very concern about identity theft .The report from equifax and the wrong address is XXXX XXXX XXXX XXXX fl XXXX and also they are a few different names on it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Credit reporting company Equifax is not helping to create a dispute by saying that there isDiscrepancy in my personal information they are demanding documents DL and SSN card from me If they have discrepancy in personal information then on what basis they are updating my records and score.they refuse to disclose even what is discrepancy This is just harassment I can see all information on credit report then why they need documents from me and if they do not have correct personal information then how they are updating records Request your help to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These address do not belong to me my address is XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am employed in the XXXX business, I see other people 's credit every day, I have been now over 3yrs since chapter XXXX bk and have well established my credit, have paid all accounts on time, a mortgage, a vehicle credit cards and so forth on XXXX the other day, my Equifax score dropped XXXX points!!!. I continue to be turned down for insurance, credit offers, etc, all the time because of my low credit rating, yet I consistently see others that DO NOT have the history or depth of my own and they are over XXXX, a young man the other day came in a year on the job and a collection and with a XXXX credit limit he was over XXXX. The reason I 'm being told my score is low is because of inquiries, yet how do you rebuild or build a credit profile without an inquiry? I have patiently waited and my score has remained low as I stated earlier I continue to be declined for a simple credit card because my score is low. They even refuse to remove a tax lien from XX/XX/2009 that the XXXX has removed on there end, I sent all documentation to Equifax. I feel that I am not being treated fairly and that the system is very flawed, ( I can without a doubt prove it ). I am requesting an investigation into all XXXX OF MY REPORTS THANK YOU XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called Equifax to dispute some information and as I was speaking to them my credit score went down and they said when I dispute information my credit score will do down. So I canceled the dispute and then they stated it will not go back up.

Company response to consumer: Closed with explanation