BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XX/XX/XXXX & XX/XX/XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XX/XX/XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XX/XX/XXXX & XX/XX/XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.

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 2015-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian has continually rated my credit at XXXX while the other XXXX rate it at appx XXXX. I filed bankruptcy in 2008 and have had to pay cash for all personal activities since that time. No one will give me credit because of the rating by Experian. I have paid my house payments on time every month since the bankruptcy and my business has been current on all credit activities since that time. Experian will not rerate me because I do not have enough credit activity, but because of them I can not get credit. A catch 22.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX and u can call me at XXXX anytime or day .please can someone fixed my report because it 's all all mine at all someone store my social security card as my kids too.

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 2016-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX 2015, I was forced to pay a Judgment that is reported by a third party for {$1800.00} to XXXX XXXX XXXX, On XXXX XXXX, 2015, I sent a copy of a cashers check and a letter from XXXX XXXX XXXX requesting to Experian requesting to delete or update my credit report. Experian refuses to update, or delete on my file regardless of my request, letterhead by XXXX XXXX XXXX " requesting that to delete it on my file as per request by XXXX XXXX XXXX ''. I 'm unable to rebuild my credit, this on going issue is causing my family financial injury " injury as I 'm unable to have my name added to a mortgage '',

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers, and after filing a complaint XXXX months ago, in which the company stated it may take a year from my original opt-out date of XXXX 2014. It has been well over a year and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The XXXX credit card account showing on my credit report with a high limit of {$1500.00} is fraud and was opened without my consent because I am a victim of identity theft. I have severally disputed the account in question with the Equifax Credit Bureau requesting them to remove it from my credit report but they have not yet done so. I have also sent them a copy of police investigation confirming that I 'm a victim of identity theft, and furnished them with fraud letters ( attached below ) from creditor. Please I need help with this issue since it is greatly affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2016, I received an unsolicited call from XXXX XXXX at US Bank in XXXX XXXX, Arkansas extending an offer to consolidate our loans ( a first and home equity line ). She offered 3.5 % interest on an {$88000.00} loan, for 13 years and payments of {$700.00} ( excluding taxes and insurance ). We agreed to the proposal and began to complete the paperwork to finalize the loan. In the course of our conversation, I *specifically* said " Now XXXX, you 're locking us in at the 3.5 % interest rate, right? '' and she responded with " Yes, I 'll lock in the 3.5 % interest rate ''. I know her exact words because I 've had problems with being baited and mislead with this bank before and I was typing as she spoke. I subsequently received a written Loan Estimate from US Bank with multiple errors - an increase from {$88000.00} to {$94000.00}, cash back which I told her I did NOT want, and ( the primary reason for my complaint ) and interest rate of 4.74 %. I contacted her, expressing my concern, and her reply was " Hello XXXX, I am sorry for the misunderstanding but the rates that were quoted were as low as rates ''. As I mentioned above, I 've had problems with being mislead by US Bank before when we agreed to a Home Equity Line of Credit, but I accepted that as being my fault for not reading the fine print ... that 's why I was so exact with my wording and took the time to write down her specific words when she called. She did NOT say that she was extending us an offer " with rates as low as 3.5 ''. She deliberately and specifically said " I can offer you 3.5 % interest on a loan consolidation '' and then specifically said ( I know I 'm over-using that word, but I 'm very upset right now ) she was going to lock that rate in WHILE WE WERE FILLING OUT THE PAPERWORK ( taking down wage information, confirming employment, etc ).

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 2015-03-25
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2013 XXXX rental properties became vacant without notice from the tenants and breaking leases. Of course, they had to leave the property is total disrepair. Cash on hand was used to repair property for new leases. XXXX of the properties we were able to get current because the mortgage company complied with the terms of the mortgage to apply extra funds to the P & I XXXX and then late charges. However, Seterus will not comply with those terms even though I wrote them quoting the specifics of the mortgage terms. Their position is that it is their option as to how to apply extra funds. The loan could be in a current status and not accuring additional late charges if they would follow other loan servicers ' examples.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a XXXX male that own his home that have no liens or missed payment and is current on all my accounts and the credit agencies keep giving me bad scores because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hi, There is always an issue with Equifax. Equifax has changed my " complete '' credit profile and lowered score over " XXXX '' points! My score dropped from " XXXX '' to an " XXXX ''. Equifax has added XXXX negative accounts, XXXX collections, changed the length of my credit history, placed an inquire on my profile that has been removed. 

Please see the attachments ( credit reports ) from Equifax website. The XXXX dated XXXX/XXXX/2016 is how my profile should look and I 'm sure the score has increased because I paid down some cards. Now, I have many alerts on Equifax credit monitoring system stating my score has drop from " Good '' to " Fair ''. My score has dropped over " XXXX points '' because of this error. They continue to cause this issues with me because I reported them to you all before. Please see the report from Equifax website date XXXX/XXXX/2016, which display Equifax placed all negative information on my profile, which should not be there. All this information was reinserted. 

I have also, attached a screen shot from my other credit monitoring system, which states Equifax has a " New Address '' for me and my address has not changed ... 

Please compare the XXXX and see how they clearly changes my profile. Please have Equifax to correct this information ASAP as it 's stopping me from obtaining credit and employment! I should not have to wait 30 days fro their mistake and I believe this was done on purpose. A month before that after report them for some odd reason my score dropped XXXX points and noting bad or increase cards or anything changed on my credit for it drop XXXX points ... 

Please have Equifax correct this error ASAP. I 'm in the process of buying a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I investigated XXXX XXXX XXXX XXXX credit card about 30 days ago. The item was removed from my credit report. As of today XXXX XXXX credit card is appearing on my report once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Security National Automotive Acceptance
State: HI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my vehicle loan with SNAAC, however the very last payment history that was sent to me along with my paid in full letter, reflects very obviously inaccurate data and much more was owed back to me in overage than {$88.00} as can be calculated from the payment history sheet. The principle balance owed and the principle balanced paid have a difference of {$1400.00}, yet only an {$88.00} overage is reported and was paid. Also on the principle balance side of the sheet on XXXX2016 the principle owed reflects XXXX then somehow jumps to {$1600.00} on XXXX/XXXX/2016. Which implies to me that even more than just {$1400.00} was taken from me in overages. Also there are multiple charges marked " other '' that have not been explained to me, my online account has not been updated in months even upon request, and my phone calls have not been returned from customer service about 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 monetary relief
Consumer complaint received 2015-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of ID Theft. I submitted the required documentation to Equifax as requested. According to federal law Equifax had 4 days to remove the disputed information from my report. I discussed this with a supervisor named XXXX XXXX and was told that Equifax was in compliance with all federal laws. The other XXXX bureaus have removed the ID Theft accounts. 
I had to take Equifax , XXXX to federal court to settle some disputes relating to ID theft accounts in the past. I was compensated by them to settle the case. Equifax in this case have not upheld their part of the agreement they made with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY KA : XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MY HUSBAND ( XXXX XXXX, XXXX ) AND XXXX FOR MYSELF ( XXXX XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX XXXX XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, EQUIFAX CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT XXXX BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agency continues to show inaccurate or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. 

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:1. ) XXXX XXXX XXXX, XXXX shows a late payment status. As per my last complaint, and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to fall behind. I have always paid according to the agreement ( s ) I 've had with XXXX. 

2. ) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. 

3. ) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report. 

4. ) Any inquiries, XXXX or more years old, should no longer be showing on the accountFinally, there should be no new accounts, except a car loan via XXXX XXXX, showing on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX ca n't provide my Experian free annual credit report on-line. No reason is given ; no fix time-frame is provided. There site lets me send them a complaint but it does not ask for my email, so there is not way for them to respond on a timely basis.

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 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX reported to credit bureau that i owed $ XXXX.i have never had any dealings with XXXX of any type nor received any contact from them.checked my annual report in XXXX and that was the first i knew of this account that is not mine.filed complaint with trans union two times, they asked for documentation?? if i never had any dealings with XXXX, how can i have documentation?? i have a prepaid XXXX for 5yrs.and a XXXX, never had XXXX.do n't know how someone purchased it or ran up a bill of {$2700.00} without making any payments before it was closed by XXXX after 6mo.i do n't know how to resolve this, i 'm a retired elderly person and can not afford to hire someone to correct this.XXXX deleted XXXX after they investigated.the above case number is for trans union.

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 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX : XXXX Credit Reporting Letter According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
Dept of education # XXXX {$1100.00} Dept of education # XXXX {$2000.00} Please remove all non-account holding Inquiries over XXXX days old. 
Please add Promotional Suppression to my credit file. 

Thank You 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 explanation
Consumer complaint received 2015-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Several time from XX/XX/XXXX - XX/XX/XXXX Military has lost personal data for me and my ex -wife and I have since XX/XX/XXXX been fights and still on going to this day. I found out that person or people have SSN #, Birthdate and would call Trans Union and reset my password and order a copy of my credit report. The other XXXX agencies have secret question you have to answer does n't matter if you that the information listed above. But Trans union would reset the password and they get a copy of credit report online now I have a freeze with Trans Union But they continue to try or do open accounts every year. When I called Trans Union about this issue they told as long they have needed information there was nothing they could do but put XXXX credit monitoring on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX # XXXX, STUDENT LOAN, {$85000.00} This account is being reported as 60 days late as of XXXX/XXXX/16. The company sent me a letter stating it was incorrect and should be reported as on time. This item should be reported correctly and updated immediately. The account should have no past due payments reported and be reported as of XXXX/XXXX/16 on time payments. Please correct. This has been reported with each agency. I also have a letter from XXXX stating this fact.

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: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this debt with XXXX and AD ASTRA.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.Ad Astra only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.

Company response to consumer: Closed with explanation