BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
EXPERIAN - I am very meticulous on watching my credit accounts and credit score, I seen online {$1.00} for a free trial with EXPERIAN for seven days. I paid the amount through my credit card and entered the site and viewed my credit accounts and credit reports with EXPERIAN and all was good! I noticed for a ONE TIME fee of {$39.00} I can have access to XXXX and XXXX my accounts and credit scores. This seemed like a pretty good deal figuring to have complete access to all XXXX Credit Reporting Agencies so I viewed all three agencies and all was good! The next day I accessed the EXPERIAN site again and again attempted to access XXXX and the window popped up stating for {$39.00} I can view all three agencies? Figuring this was a mistake I called EXPERIAN only to find out that that ONE TIME {$39.00} fee is only good for ONE DAY! Nowhere on the window for the charge does it state that the {$39.00} fee is for ONE DAY it just simply says for a ONE TIME fee! This is misleading to consumers and EXPERIAN needs to state that the ONE TIME fee is also only good for ONE DAY! This is an important consumer issue that needs to be addressed immediately to protect consumers and to ensure EXPERIAN is up front and transparent to its subscribers! 
Another point of extreme concern that I have found out is the credit scores that EXPERIAN provides to consumers from XXXX and XXXX are erroneous credit scores! I obtained my credit score through EXPERIAN for XXXX and it seemed to be on the high side? I called XXXX and they said the score I obtained through EXPERIAN was about XXXX points higher than what XXXX had on file for me on that same day and they looked back through a month and my score was never as high as what EXPERIAN provided to me? I called EXPERIAN and explained to them the discrepancy from the XXXX credit score they provided to me and she told me that EXPERIAN uses a different scoring model than XXXX uses? So this is the issue, how can EXPERIAN charge additional money for a credit score from XXXX and XXXX and provide it to the consumer and these credit scores are erroneous and do not even come close to the actual scores on file with XXXX and XXXX! And in this case there is nothing on the EXPERIAN website advising the consumer that the scores from XXXX and XXXX may differ from actual scores because of EXPERIAN using a different scoring model! Again this is a big issue for consumers and needs to be resolved with EXPERIAN!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian continues to report XXXX XXXX XXXX account ( XXXX it was charged off and sold XX/XX/2009 it is passs the statue to 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 2015-10-14
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a dispute to experian that was delivered certified mail on XXXX/XXXX/2015 ( usps tracking attached ). There is a judgement that I requested to be disputed item XXXX in letter, ( see attached copy of dispute letter ). This item was never investigated as requested ( see experian dispute summary attached ). Every other item was investigated and listed on experian 's dispute summary except this one. The judgement that was supposed to be investigated does not belong to me and experian had someone else 's social security listed on my report as well, which was removed. This item should be removed by LAW since it is now been XXXX days and I have not received any response on this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law!

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 2020-04-20
Company: Law Offices of Timothy M. Sullivan
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is HS FINANCIAL GROUP LLC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HS FINANCIAL GROUP LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HS FINANCIAL GROUP LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HS FINANCIAL GROUP LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HS FINANCIAL GROUP LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HS FINANCIAL GROUP LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was incorrectly levied by the California Employment Development Department ( EDD ).  Bank of the West withheld the notice of levy for an entire week until after the account had already been incorrectly levied. Had they given me the notice on time I could have notified the EDD to find out what was wrong and fix it before funds were withheld. Due to the extreme delay of Bank of the West all of my bank accounts were in fact levied causing them to be overdrawn and then incur almost XXXX of overdraft and retuen item fees. Even after the EDD notified them that they levied in error they continiued to charge these fees. This was not an oversight on my part or simply being careless with my account. This was an error that was done by the EDD and had bank of the west not held the levy notice for so long it would have been corrected before any overdrafts even occured. Now they have closed my accounts due to these fees and have sent fee amounts to collections.

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 2022-03-17
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
multiple fraudulent unauthorized charges on my debit card going to XXXX, XXXX, an Atm withdrawal and XXXX as well as something called XXXX, These are fraud charges made using a stolen debit card and i would like to file a XXXX  XXXX claim against these unauthorized charges. 

Amount stolen from me totals {$3300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Have repeated called my place of business. After they said they themselves said they would never contact them. The business has caller identification. So every time they call they attempt to lie and say its not them when they have already been identified before yhe phone is answered.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022 I sent a letter for inaccurate account on my credit report. It has been over 15 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives reason to immediately correction this account from my credit report. I am distressed that you have included the account below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that the account be corrected immediately or I will file for litigation. 
XXXX XXXXXXXX XXXX Balanced Owed : {$0.00}

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 2022-03-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2017-05-28
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We opened  the American Express Simply Cash Business C redit Card on  XXXX / XXXX / 2016  with the offer to get a {$250.00} statement credit for spending {$5000.00} within the first 6 months of card membership. This offer was good for applications submitted through  XXXX / XXXX / 2016 . We spent {$5000.00} in the allotted time period, whi ch American Express confirmed for us on several occasions. However, we never received our statement credit. Had AmEx open an official case to investigate. They nev er contacted us back. I called them to inquire. They had closed the case saying they could n't track our card opening back to the proper source code. I asked to speak to several levels of supervisors until I was told that there was no one there who could assist me, but that I would receive a call back with in 48 hou rs. Now, a few months later, I am still waiting. This is unacceptable. I have wasted so many hours over the la st six mo nths trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of ID theft. I have reported this information to the FTC and I have filed a police report with my local agency. After 2 1/2 yrs Experian is the only bureau reporting the fraudulent information on my credit- it has cost me and family a lot. I also have to pay higher premiums because of the fraudulent information. I am reaching out to you for assistance. If you can not assist me I will take the matter to Federal Court. The XXXX accounts are referenced below XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To Whom It May Concern : I am a Pennsylvania XXXX ( ID # XXXX ), and I am submitting this dispute because MyCase and XXXX, XXXX improperly denied my application for XXXX payment services. A copy of the denial letter is attached. XXXX is a cloud based legal management system used by attorneys to store client information and bill client time. The service I applied for would have allowed me to accept credit card payments. As part of the review process to qualify for the service, XXXX used XXXX ( a real estate management company ) to investigate my credit report. XXXX claims that they pulled my Credit information from Experian. A copy of my Experian Credit report is attached. MyCase and XXXX appear to be either closely related or the same company, because they both have the same Corporate Headquarters address located at XXXX XXXX XXXX, XXXX, CA XXXX. 

XXXX claims that I was denied services because my credit score is XXXX and the date the score was allegedly created was XXXX/XXXX/2016. The Experian credit report does not show that that either XXXX or XXXX made a credit inquiry. See pages XXXX of the XXXX section of the attached Experian credit report. Furthermore my credit score is XXXX and not XXXX as stated in the XXXX credit denial letter. See page XXXX of the attached XXXX Credit Denial Letter. See page XXXX of the Experian report to view my credit score. 

Thank you for investigating this matter, 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 explanation
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The company XXXX sold my account to a collection agency by the name of XXXX, XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account 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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2016-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.

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 2015-08-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I CALLED EXPERIAN XXXX/XXXX/15. The man I talked to was very obstreperous and difficult to understand. I asked why my credit score was not the highest when all of the reports stated payment never late. I tried to talk to him about a collection account from XXXX and said that it was years old and incorrect as it went back to the days of TV on my XXXX yacht which they were trying to charge me for equipment on the boat which had been paid for when I purchased the boat from XXXX XXXX. Discussions with XXXX XXXX indicated no problem, nothing was due. He seemed not interested and not willing to discuss why it was in there. He would not discuss any details about why my credit score was only XXXX instead of XXXX. All he would say is that it is very complex. When I asked to discuss it further he refused and said it is very complex. My credit score affects my cost of living in the interest rate credit card companies charge as well as the extent of credit they will issue and in many other areas such as my auto insurance rates and the insurance rates on the XXXX residences I own free and clear and I am sure in many other areas. I find it irresponsible that I can not talk to someone at Experian and give them pertinent information of income and resources that they should consider. It is not fair that they issue me a low credit score without any consultation with me personally when their actions affect my livelihood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I sent an email to the Annual Credit Report website regarding my attempt to receive my wife 's credit report from TRANSUNION after getting my report. This is the email I sent to them : My wife does n't seem to be on my credit reportfrom Transunion. I tried to get XXXX in her name but it does n't allow it. WHY?? 
She might have credit issues not listed on my report that we would like to beaware of. 
The thing is I have been unemployed since 1992 due to XXXX caused by work injuries and my wife has been the bread earner since then. So why the heck ca n't we receive a credit report in her name? The whole thing is a pile of stupid running the show.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Originally I had disputed a public record for a civil judgement with transunion that over XXXX was being reported as a civil judgement, I won my dispute and the public record. was removed, I then received a letter that it was being reinserted ; I tried to dispute it again as it shouldnt show at all as this case was dismissed with prejudiced and expunged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX {$68000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was originally openned in XX/XX/XXXX, and the balance is incorrect________________________________________________________________LVNV FUNDING LLC {$75000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX WASOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was openned in XX/XX/XXXX and the balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Tenant Data Services Inc
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2017, someone used my information to apply with Tenant Data. I called to figure out why and the information on the application and my real information do not match.

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