BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Car crash on XX/XX/20 My insurance totaled vehicle and paid XXXX what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by XXXX and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. Ally has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed. 

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.

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 2017-01-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
Dear CFPB, For the past year we have attempted to obtain a XXXX without success. Due to an attempted identity theft, our XXXX credit reports were frozen. XXXX uses XXXX for the XXXX processing. At their ( XXXX XXXX request I temporarily lifted the Experian freeze via the Experian website and re-applied for the card. Approximately 4 times during 2016 I lifted the freeze temporarily, applied for the card, and was denied. Each time the reason was that the Experian freeze was not lifted. All attempts to call Experian and speak to a person were unsuccessful. Experian seems to be excellent at avoiding direct customer contact by phone. 
XX/XX/2016, I requested Experian to permanently remove the security freeze on my account. The Experian confirmation letter is attached. XX/XX/2016 after receiving confirmation of the freeze removal, we re-applied for the XXXX and were again denied. The denial letter from XXXX is attached. The reason again is that the Experian freeze has not been lifted. Please contact Experian and / or XXXX on my behalf and attempt to resolve this. The problem seems to be with Experian not lifting the freeze.

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 2016-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I sent Experian a letter informing them that the telephone number that they have on file for me is not accurate. I asked them to update my telephone number with 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 2015-04-09
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I changed Homeowner insurance companies in XXXX, 2015. My insurance company ( XXXX ) and I both called the insurance company on a conference call to inform my mortgage company ( Statebridge Company, LLC ) about the change. The person took the information and changed it in the computer as XXXX gave them the updated information. I received a letter in XXXX, 2015 from the previous insurance company stating they received a check, however the policy had been canceled and the check was being returned to Statebridge. Both XXXX and myself have made several calls to Statebridge and XXXX XXXX XXXX. Apparently Statebridge contract out their insurance service to XXXX XXXX XXXX. I called XXXX XXXX XXXX. on Tuesday, XXXX XXXX, 2015 and was told I had to fax over the cancellation later from the previous insurance company. As of today is XXXX XXXX, 2015, I do not have any homeowner 's insurance on my home. I also received a letter from Statebridge on Monday, XXXX XXXX, 2015, stating that Statebridge was going to do force placement insurance on my home. They have all my insurance information, therefore why would they send me a letter stating I do n't have insurance? This entire situation has taken a toll on me and I am very frustrated with the lack of communication between Statebridge Company, LLC and the XXXX XXXX XXXX. company they have contracted to send out their insurance payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent disputes already but no contact or changes have been made. 
All XXXX credit companies are still negatively reporting a XXXX AccountIt has been 8.8 years since Major Delinquency First Reported. This account had never been brought current after this and has exceed the date XXXX and Federal Fair Credit Reporting Laws for being able to report in any mannerThis was also disputed with the original creditor and a good faith adjustment was made on this account that cancelled any balance owed. 
I will attach the report from the creditor but you can also review the actual documents and dates atThe original dispute made on my behalf CFPB CASE # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to Experian to have it removed and they performed an investigation witch did not remove it from my credit report. 
XXXX Inquires from XXXX were removed but not the derogatory account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked 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 2015-04-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted offical documenation to Experian that they are report bad infromation on my Credit file. CitiMortgage Acct # XXXX, IS PAYED in FULL and was never 'Legally paid in full for less than the full balance ' as Experian is reporting on my credit report. Supporting Documents attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
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:
Two months ago XX/XX/XXXX I became aware that someone had stolen my identity and used it to open a couple of credit cards. I caught it right away, had the cards shut down and placed a fraud alert on all of my reports. Today I get a notice that XXXX has pulled my credit report. When I contact Experian 's fraud department they direct me to call XXXX. XXXX directs me to call Experian. And on and on. All after a fraud alert has supposedly already been entered.

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 2016-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband and I separated in XXXX XXXX and settled support issues in XXXX County court in XX/XX/XXXX. Equitable distribution did not occur. We agreed in XX/XX/XXXX ( mediated by attorneys ) that he would occupy and assume all financial responsibility of the marital home as I moved to Florida with our daughter in XXXX and had rent and bills of my own. His agreement was to pay the mortgage, taxes, etc until divorce was final. The house was for sale but he passed on XXXX great offers and 3 years later unbeknown to me, he defaulted and filed bankruptcy 3 years after that. Since I did not live at the address and XXXX said ( after the fact ) that they could only mail to one address, I was unaware of what had occurred. I received no communication from my ex or XXXX! They continued to send correspondence to me via mail to an address that was years old. As my credit began to tumble ( credit cards, denial for car loan, etc. ), I ran a report and contacted XXXX to explain the situation and they treated me as if I was in bankruptcy and headed for foreclosure. My credit is outstanding ( minus my ex-husband 's default ) but since this default perpetrated by my ex husband was not removed from my report, I have been denied an SBA loan and HELOC to start my own XXXX. I am unemployed and need to have this removed from my report in order to regain my credit in good standing. I should negatively affected by this reporting on my credit. I am not protected under any bankruptcy and since finding out the gory details, I have moved to get this house sold to stop the foreclosure and expedite a short sale. I understand that XXXX XXXX does not recognize my legal separation or divorce decree, but a few lenders told me that laws have changed and if a letter from the " responsible party '' is presented, the credit bureau can clear this off. Please clarify. In addition, please help me to have this removed from my credit report while I am not proactively working as a mediator between my ex husband and the bank to recover the defaulted funds from a short sale- which I also DO NOT want or need 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 non-monetary relief
Consumer complaint received 2016-06-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either Experian or 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2016-09-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed my former name, former address and account history with Experian. I even provided them documents to support my claim. They refused to remove inaccurate information from my report. The student loan payment history makes no sense. I pointed this out to them to no avail. this inaccurate information remains on my report. This issue with the payment history has been disputed to no avail with all XXXX major credit reporting agencies. Experian, XXXX, and XXXX. Details in the supporting documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I have called the collections account on my credit report and I do not remember opening let alone using this account with XXXX. They insisted the account was mine without any written proof, other than this rude guy, looking at his computer screen and insisting me that the account is mine. I was checking my credit report before I ship out with the XXXX to defend our nation, so, this came to a real surprise to me. Please assist me in having this account 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 2016-08-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditors, XXXX and XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.

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 2016-06-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department ''. ( please see attached Credit Report excerpt ).

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 2016-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I ca n't work with Experian anymore, because they continually mess up on credit reporting. Recently, they just added an account and listed me as an " authorized user '' I have no knowledge of this account, and it TWICE on my credit report last month, after I challenged other credit items on the report. I need these accounts removed from my credit report immediately. They do not belong to me. Amount is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. XXXX XXXX was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of XXXX mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by XXXX USA staff.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX XXXX Bank and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.

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 2016-08-08
Company: Army and Air Force Exchange Service
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Army & Air Force Exchange Services transferred my debt to a collection agency called XXXX XXXX XXXX XXXX I never received a letter or phone call from XXXX until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] XX/XX/XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XX/XX/XXXX-XX/XX/XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the XXXX office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.

Company response to consumer: Closed with explanation