BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I satisfied a debt to XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$8500.00} on XXXX XXXX, 2014. I need Experian to remove this judgement from my credit report. This Civil Action number 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 non-monetary relief
Consumer complaint received 2016-02-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry 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 2016-01-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I spoke with XXXX XXXX Credit Card XX/XX/XXXX to ask them in good faith to remove the bad marks on my credit report which were only 3, 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from almost XX/XX/XXXX being the last date reported to now being XX/XX/XXXX. This has dramatically affected all XXXX of my credit reports for an account that was opened XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX Credit Account opened XX/XX/XXXX and always paid as agreed and closed in XX/XX/XXXX. Now XXXX is reporting negative on my Experian Credit Report. I started a investigation and around 3 days later Experian send me a email of completion. It seem to me that they are playing games and do n't want to remove this information. Can you all direct me to a Federal Agency that will take control of Experian and their lack of work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am having late payments from over five years ago still impacting my credit. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, XXXX, 2020 my bill did not go through BANK OF AMERICA - account with 2 missed payments. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2017-02-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The XXXX ( XXXX ) attached accounts with XXXX were fraudulently opened in XXXX, which was a Business Card, and XX/XX/XXXX respectively. Both accounts had been previously reported as Identity Theft and BLOCKED by Experian. Subsequently, after a significantly protracted time frame they were incredulously reinstated without any explanation whatsoever and now have surpassed the Statute of Limitations of seven years. Your assistance in having Experian reinstate the BLOCKS on these legacy Identity Theft accounts from XXXX would be greatly appreciated.

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 2016-01-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, XXXX I mailed Experian a CERTIFIED LETTER indicating that my credit file needed correcting, and that the subject public judgement in favor of XXXX XXXX Bank, be removed from my report. All of the proper information regarding my file was included for their easy access and identification, along with my current picture ID for personal verification purposes. 

After six ( 6 ) weeks of no response, I wrote another CERTIFIED LETTER to Experian on XXXX XXXX, XXXX with the request that they automatically delete the subject file from my report, since they provided no response whatsoever, and whereas they obviously were unable to successfully dispute the matter as REQUIRED BY FEDERAL STATUTE within thirty ( 30 ) days of my notification. I also included my original letter along with another copy of my current ID. 

After not hearing from them after another two ( 2 ) week period, I CALLED them on XXXX XXXX, XXXX to once again, address this urgent issue. They told me they were still investigating the matter. I firmly insisted they had had enough time, and that if I did n't have a confirmation email that the filed had been corrected, and the Judgment deleted from my report by Monday XXXX XXXX, XXXX, I would file a formal complaint with your agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had received a letter from my previous employer about a data breach. I submit a request to Experian to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't.. My current address isXXXX XXXX XXXX XXXX following addresses need to be deleted from my address as they are n't mine. 
XXXX XXXX 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 explanation
Consumer complaint received 2016-04-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Dear CFPB, About 10 months ago I was a victim of identity theft and went through all required procedures to protect myself. I filed a police report and FTC affidavit and notified all XXXX credit bureaus who shared the information with each other for my protection. After 6 months of working with the police everything was back to normal. Since fraud alerts make every financial transaction regarding credit or employment very sensitive I sent official letters to each agency with my passport scan and social security card scan along with employment identification making an official request to have the fraud alerts and security freeze removed. To my surprise only the XXXX agency has complied. There is still a short statement on my XXXX report and lengthy comment on Experian with 90 day extension. The exact opposite of what I legally had requested removed under federal rights! I want these statements removed! Their inability to listen and follow instructions caused problems for me today during a particular transaction so this is it. I have attached a letter which was sent out in XX/XX/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 2016-05-02
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX. 
Every time in attempt to obtain my free annualcreditreport from XXXX the sites CAPTCA codes do not propperly display XXXX 's or XXXX 's. You cant tell the diffrence between an O or a XXXX, or a XXXX or an i. If you are unlucky and fail 3 times your locked out. 
More frustrating is the fact that the credit file questions are completly wrong or their systems are down. You are forced to call the " Big XXXX '' to figure things out. When doing so you are being solicited products. This has to be by design! By LAW they are required to provide a FREE credit report each year via the web interface! What is will you do to improve your Captca code module and what will you do to audit the big XXXX 's web interface success rate vs failure ( mail ) the big XXXX must have their systems up to accept requests, as their internal systems sure seem to work. 

Attached is a screen shot of experian 's bad list of credit file questions that do NOT pertain to me. When I choose none of the above their system fails or says system down.

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 2015-05-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I looked over my credit report and I found errors. I sent a dispute letter asking them to investigate the errors along with a photo copy of my California Drivers License. They sent me a letter requesting a copy of my Social Security Card and many other documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent Experian a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : XXXX XXXX, XXXX XXXX XXXX conn, XXXX XXXX, applied bank, and cbna sears all which do not belong to me and the response was that it was " verified ''. According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called Experian and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified Experian have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested. I HAVE ATTACHED THE FORM THAT I SENT CERTIFIED TO 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 non-monetary relief
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I applied on line for the XXXX credit reports and the web site failed and gave XXXX page not found errors. I tried again and the freecreditreport.com site responded I already got the free report. there is no help number for assistance. I need the report timely butit is not available as required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: Experian Information Solutions Inc.
State: MO
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 provide me with the documents that their company has on file that was used t verify the account 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 matter 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 2017-01-20
Company: FIRSTBANK
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We had recently discovered we were losing {$5.00} per month with from an unexplained, and undisclosed new fee that arrived without warning or notice. After further investigation, we then discovered that we have been billed $ XXXX monthly for a " fee for less than XXXX bill pays ''. This has apparently going back at least a year from XX/XX/XXXX, and possibly longer, likely beginning around the time we moved to a different city in XX/XX/XXXX. Yes, that 's a a fee for LESS bill pays. In summary, we were billed at least 12 times for a service, for an amount that exceeds the actual value of the service, for using the service LESS than an arbitrary amount of times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I ordered a credit report from Experian in which they offered a credit tracking service on a 7-day trial basis. I did not discover they were billing my credit card until months later when I checked my bank statement online. 
I attempted to obtain a refund for the charges as I did not wish to order their credit tracking service, only a copy of the credit report. Experian did refund one month 's charges but refused to refund the remaining balance of approximately {$130.00}. 
I do understand I should have read the order more closely, as well as monitored my bank statements. However, I do not believe it is ethical business practice to force consumers to purchase a service along with their credit report. Experian should offer customers the OPTION of registering for this service when they order a credit report but should not make it mandatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian refuses to update my credit record, specifically as it refers to previous delinquincies that were unknown to me, whether it is refusing to update when either myself or the collection agencies have provided updated information. This has a profound effect on my position to purchase and denies me any type of due process or resolution. I have submitted documentation in writing, with delivery confirmation, as well as five ( 5 ) attempts to update this information from the collection company. Experian has not updated my report since XX/XX/2016, more an 150 DAYS have elapsed and their inability or refusal to honor my request or the transmission of debt resolution from the collection agency compounds the harm I am experiencing. They MUST be held accountable and if they can not report acurately, reguarly, or fairly then they should NOT be allowed to reprt at all.

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 2016-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. 

this Account should be deleted for false reporting and illegal collection tactics

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 2015-04-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In XXXX, I disputed an entry on my Experian credit report for a previous mortgage I had with XXXX XXXX XXXX. The entry reports a 30 day late for XXXX & XXXX which are incorrect. The mortgage was paid off XXXX when the home was sold. Supporting documentation was sent certified mail to Experian on XXXX separate occasions ( again in XXXX ) proving the loan was paid off and the entries were invalid. Both times Experian returned the results as being confirmed by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX about the issue who advised they only reported the loan being paid in full for XXXX and there was no payment status reported for XXXX or XXXX. XXXX XXXX XXXX agreed to send a letter advising the there were no late payments for those XXXX months. Due to the errors in my credit report I am unable to close on a new home until the report is corrected. Both XXXX and XXXX report the trade line correctly, but Experian refuses to correct the entries even with supporting documentation and a letter from XXXX XXXX XXXX confirming the entry is invalid. I would just like my credit report corrected to reflect the correct information so I can close on my new home. Any assistance you can provide with this matter would be greatly appreciated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX and my XXXX credit cards show in collections on my credit report. My soon to be ex-wife stopped paying them but once I found out, I started making payments to try to repair my credit. 

Even though I have set up payment plans and made 3 months worth of on-time payments, they both refuse to show that I am making payments on this debt. These negatives on my credit report are harming my credit score and since I am making payments, the credit report should reflect that. 

They say they will not change the credit report until the entire debt is paid. I believe that is bad faith. Why would anyone make payments if it isn't going to help their credit?

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