BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX XXXX, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/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 2015-06-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up XXXX Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This one is specifically for Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have the victim of identity theft which I discovered when my tax filing was rejected. 
This prompted an investigation into credit report and I started getting collection notices for credit card accounts that I could not verify. I send a series of letters to credit bureaus requested copies of the original signature documents showing the account was actually verified as mine but they simple responded that accounts had been verified as mine but never responded to my request for copies of the actual document that showed my signature verifying the account or even the name of the person who verified the information. I recently sold my house and now an unable to buy a new home because of the invalid account that still shows in dispute on the credit bureau.

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 2015-10-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because EXPERIAN has ignored my request to provid me with the documents that their company has on file that used to verify the accounts I disputed.Being that they have gone past 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 matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
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 initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Inability to upload files ( XXXX or XXXX ) to Experian for online dispute reporting. It is not an issue of file size, even considering the stated upload size available, which you should review. And, if uploaded docs may be easily hacked enroute (? ), why " offer '' this option? I will call to see if FAXING doc is an option on next business day ; my doc contained names and a bank contact no, but referenced only last XXXX digits of account in dispute, which actually needs to be removed from my present credit information. Credit company STILL too difficult to access for help. This is the age of digital information, not reliance on snail mail. Internet search also reflects this issue with uploading docs. Why is this problem being allowed to continue? 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 explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Tried unsuccessfully to give a creditor temporary access to an Experian credit record on which a freeze had been place. 

- The " PIN '' printed in the letter sent to me by Experian when I put a freeze on my credit is NOT the PIN but rather it is the exact same number as the report number, only with XXXX leading XXXX added. 
- The " PIN '' listed in that letter is XXXX digits long, while their on-line system will only accept XXXX digits. 
- The telephone system seemed to take the XXXX digit " PIN '' and indicated that the freeze wold be lifted for the time period I specified, except I was never asked for a time period and never specified one. 
- There is apparently no way to contact any person to help clear this up. 
- The email address Experian provides to contact customer support ( XXXXXXXXXXXX ) is rejected ( failed delivery ) How is someone supposed to deal with a company that is so monumentally screwed up? How do I transact any business with Experian?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute both online and over the phone with Experian about a credit inquiry that does not belong to me. I was spoken to very rudely by several representatives and refused help. I have a fraud alert on my credit file. This inquiry is not mine. The following inquiry does not belong to me : 1. XXXX XXXX/XXXX/2016

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 2015-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XXXX XXXX, XXXX I sent a certified letter to all credit bureaus and Experian advising them that I had never lived at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The person living there has my same name and had a criminal. Experian was going to correct but still remains 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 2016-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian fail to delete personal wrong information on my report. Moreover, dispute results show that wrong information was deleted but it has not.

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 2016-11-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed the XXXX XXXX item on my credit report on XXXX and Experian but both credit beaureaus have n't deleted the collection account.

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 2015-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried multiple times ( online and by phone ) to obtain my free credit report, both have said my information is not correct and have not been able to get my credit report ( with all XXXX companies ). I lost my social security card and have been denied credit, I just want to make sure no identity theft occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian requires you sign up for $ to get your credit score.

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 2015-07-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute with Experian regarding information on my personal credit report on XXXX XXXX, 2015 and shortly afterwards, they sent me a letter stating that they received a suspicious request. I called Experian and was informed that they would not re-open the investigation and that I needed to submit another dispute. As I am aware of the stipulations of submitting a XXXX dispute within 30 days, I waited until XXXX XXXX, 2015 and then submitted a new dispute regarding the same information. They did not respond at all to my dispute letter and I even provided them with the identification documents that they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to dispute this, it just appeared on my credit report, it is n't mine I 've never had suddenlink. They say they 've already disputed it. They 're lying. It just appeared in 2016, I 've never, ever had suddenlink services, I 've never ever disputed this before because it 's never been in my credit reports before, and I can prove it. If they do n't remove it immediately I 'm going to sue them.

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 2021-04-05
Company: PARKSIDE LENDING, LLC
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received a new mortgage and had everything set up for autopay. The autpoay did not go into account until after the payment was due. I have since paid this debt, it was only a few days late. I would like to have this off my record, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached my dispute letters which i have also submitted to bureaus several times, XXXX accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
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 explanation
Consumer complaint received 2016-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting that i was charged off or late on the following accounts : XXXX credit adjustment XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX bank XXXX accounts are all charge off. theses account were always paid on time and never late. Please have the credit bureau update theses account as paid in full/paid as agreed remove charge off status

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a letter from my HR dept. at work saying that my wages are going to be garnished for {$2800.00}, and I immediately jumped back and panic set in. I never got any communications from any of these companies, or court!! I am upset on how this justice system works in this country and the advantage these huge companies have over their customers. I called Pressler & Pressler, and they could n't help me at all, because the judgement has been made already on me. This is ridiculous to on how they make a judgement without me even knowing of it, but yet they were quick to inform my employer to garnish my wages! I need help and resolve to this, because i do n't remember that account and it was from 2008, And God knows where they were sending the mail! If I need to take legal action I will, because this is against the law, and my rights as a citizen of the United States Of America!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting information that is not my account And I am not responsible for. Its reporting XXXX XXXX XXXX system account # XXXX as my account witch is false information and did not properly verfied the account before putting it in my credit report I have the proper documents showing this belong to someone else and not me.

Company response to consumer: Closed with explanation