BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed with Experian about an account with XXXX # XXXX and they claimed they verified it, This acccount does not belong to me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
this is not my account at all. have not had XXXX phone ever

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 2016-03-03
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:
I have been receiving offers in the mail to consolidate my student loan. Some of them even offer total loan forgiveness. Each of these offers lists the total amount of my student loan. Most troubling however, is how close they are to the exact amount - off by a XXXX dollars or so, but more or less spot on. 

I spoke with my service provider ( XXXX XXXX ) and they said they are not allowed to disclose or sell my financial information. This still does not explain how my financial information has essentially become public.

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 2017-01-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent out a certified letter to XXXX requesting them to verify this account, I pulled the address from credit report from Experian. It came back to me because Experian must have the wrong address on my credit report. By law in which stuff like this protects the costumer XXXX had 30 days to verify. Since my letter to them game back to me dated XX/XX/2016 Experian has refused to remove this trade line that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX 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 four 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 DOB XXXX/XXXX/1981 XXXX XXXX F, 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 2017-02-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian does not have a place to dispute accuracy of credit report so I chose balance wrong. Experian concluded everything is correct and did nothing and will not investigate again. XXXX is falsely reporting account information such as date delinquent, amount owed. I called XXXX previously and customer service reported amount owed was XXXX and first delinquent was XX/XX/2012

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 2015-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi there, in XXXX of this year an unknown BK appeared on my Experian credit report that was said to have been filed in XXXX XXXX 5 years later. The claim and liability amount XXXX say 0. 
Please be advised I have asked that Experian remove this error and they have refused and request that I submit documents to support it removal. If I never filed or attempted to file a BK I would not have any paperwork. 
I can not refinance my car loan until the BK is removed. The bank is questioning me because it was never there before .... yes I know this is Experian 's error. Please help!! 

IDENTIFICATION NUMBER XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I cancelled a service XXXX 2016, I recently received my credit card statement for the month of XXXX and realized that this company billed me TWICE in the amount of {$59.00} for a service I CALLED AND VERBALLY CANCELLED TWO MONTHS PRIOR.. CALLED AND Spoke with a agent who confirmed that I have not used these services but told me that my money WILL NOT BE REFUNDED ...

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 2015-06-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX account included in bankruptcy and discharged but still Reporting as derogatory. I disputed via agencies the account is deleted then re reported as derogatory. ChapterXXXX filed XX/XX/XXXX discharged XX/XX/XXXX. Account was never a charge off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit XXXX # XXXX Unknown and outdated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My permanent mailing address changed 5 months ago. 5 months ago I verified with all my creditors that report account status of that address change. I have followed up with each one twice and they assure me they are reporting my current address. I have requested by direct communication with Experian to remove addresses which are not mine. 

MY CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Any other addresses need to be removed. I have verified with all my creditors they are reporting my information with my current address : XXXX XXXX, XXXX, TX XXXX. 

XXXX and XXXX both updated my information with my current address, expunging any other addresses previously listed. 

Experian is the only company that will not comply, and also they have very incompetent customer service agents in XXXX, or the XXXX that do no not communicate clearly. Besides being very difficult to communicate with, they are mindless script readers who can do nothing if its not on their teleprompters.

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 2016-02-22
Company: Marlette Funding, LLC
State: NH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a personal loan with Best Egg. I innocently forgot to pay it on XX/XX/XXXX, the due date. The very next afternoon, I started receiving robo calls EVERY HOUR nearly. This is harassing and extremely excessive. I have previously spoken to someone about this at Best Egg, yet nothing has been done. I am not months late but a day or so. I can not stand to continue receiving calls like this, especially if I am at work. No messages are ever left, it just a robot. I have since set up payment, but continue to get calls constantly, literally all day long. This HAS to stop!

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 2015-08-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for chap XXXX bankruptcy in XX/XX/2014 due to medical issues. At the time of filing the arrears on my property was {$9000.00}. The mortgage lender failed to file a claim with the court and consequently, the court was not able to make any payment to them ; although I made the payments to the court as required by the terms of my plan. The arrears on my property have now risen to more than {$25000.00} ( due to the lenders negligence ). Due to ongoing medical treatment, I have made several attempts to obtain a mortgage modification and am being told by the lender that " they are not able to offer any modification that will reduce my payment to an affordable level based on my verified income ''. My problem is ; were it not for the failure of Ocwen to file a claim with the court these arrears would not have reached this level. I can not imagine an acceptable reason that the lender could not get the claim filed with the court during the course of an entire year. If not for their error, they would have received payment. The money was on file with the court and was disbursed to another creditor because of their error. The lender is now holding me accountable for their negligence ; and I am being told that there are no options for me to work out a plan to keep my home.

Company response to consumer: Closed
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a medical account on my Experian credit report XXXX/XXXX/XXXX and the account came by verified and I sent a certified letter on XX/XX/XXXX asking for verification of who they spoke with and methods used to verified and I received a credit report today stating the information is verified and remains unchanged. They did not provide me with who they spoke with or methods of verification. I contacted the hospital and I have receipt of the bill being paid and that it is not in collections. the credit reporting agency did not verify the information because the balance was paid to the hospital and the account is not in collections. if they verified the information they would not that it is incorrect and remove the collection agency from my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have sent previous request to Experian, requesting they Delete XXXX Account Closed with inaccurate information from my file and yet they have failed to do so. 
Accordingly, I intend to show a judge that these accounts are inaccurate and that thus violated the Fair Credit Reporting Act by ignoring my requests to investigate with Correct Information. My previous request stated my reasons for Delation and these reasons were not frivolous in any way. 
If this final request does not prompt Experian to conduct a proper Delation of the account in question, and send proof to me of said Deletion, I will file a civil suit in XXXX XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation with Deletion. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports I request this be resolved and delated with in 5 days to avoid stalling the process further by you.. 
I anticipate your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
it is the repeated fraud attempt from experian, like the XXXX reporting bad reviews online, those who was deceived with the XXXX $ credit report, i was deceived and subscribed, then i got a XXXX $ transaction on my credit card, and when i complained, i called the customer service supervisor over the phone and she promised to refund the XXXX $ but i have to email XXXXXXXXXXXX, i did and i got automated reply like the hundreds online saying they will not refund this money. this money were withdrawn without my approval, i subscribed for a XXXX $ credit report, why shall i pay XXXX $ for something like that. 
also i subscribed 12 days ago, if we removed the regular weekends and the XX/XX/XXXX vacation that will leave time less than the trial period that they talk about. due to the fact that i have to cancel the subscription only by phone, then i have to call on a bushiness day, then they didnot even leave me a chance to cancel it before they rib me off. so, even if i was aware of the charge, there were no way for me to block it, what if i was not even notified or aware or approved this XXXX $ charge. 
unjustified charge that i received. please process this refund ASAP. 
here is my Member # : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed the Foreclosure reference on my credit report in XX/XX/XXXX. Experian came back with a verified status. This was a short sale and not a FS and their coding is keeping me from getting an FHA loan. I have disputed this for almost 3 years now and it does not get resolved. They list paid in settlement in the comments but the coding shows a FS on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
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:
Experian Credit Agency keeps sending me letters say that my information does not match ; my Social Security number does not match my name. I 've done everything in my power to prove that is does. I 've sent a copy of my Social Security Card, my photo ID, my XXXX, a utility bill with my address. I also went to Social Security Administration Building and had them verify all of my information. Social Security Department wrote a letter to Experian stating that my name matches my Social Security Number with notarizing it. And yet I 'm still receiving the same letter from Experian stating that " The Social Security number you gave us does not match the identification information in our database. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX fails to remove the XXXX XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$50000.00}. EQUIFAX reports incorrectly that this account is past due {$50000.00} even though XXXX CARD issued a XXXX. EQUIFAX reports incorrectly this account Credit Limit is {$43000.00}. EQUIFAX reports incorrectly that this account is currently over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX placed duplicate inquires on my credit file, as well as my husband XXXX XXXX XXXX ' credit file for a joint credit application, over 2 consecutive days last year. This resulted in a total of XXXX inquiries for the both of us for the purchase of a XXXX pickup. The dealer, XXXX XXXX did the first credit check, resulting in XXXX hard pulls in XXXX XXXX on our reports. Then, XXXX had duplicate inquiries on each of our credit files for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. We did not authorize duplicate hard credit pulls. We only authorized XXXX. The duplicates may have been due to my husband 's credit alert from a prior identity theft, I 'm not sure. However, the truck purchase should not have resulted in XXXX hard pulls between the XXXX of us. 
Regardless, we contacted XXXX who sent the attached letter dated XXXX/XXXX/XXXX, stating they would notify the credit bureaus to have XXXX of the duplicate inquiries removed from each of our credit files. Equifax has failed to remove the inquiries on both of our reports to this date. I filed a dispute online on XXXX/XXXX/XXXX with Equifax , stating I did not authorize the duplicate inquiries on my report from XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Equifax sent me the attached email stating that they received my dispute and that their investigation was continuing as of XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I checked the status of their investigation and was surprised to see that it had actually completed the same day that I filed it, on XXXX/XXXX/XXXX, and that I was never notified the investigation was complete or of the results. In fact, on XXXX/XXXX/XXXX I was notified that it was still ongoing, see attached. The results of their investigation said that I should contact XXXX if I felt the access was unauthorized. I attempted to file a reinvestigation request and to attach the letter from XXXX, however Equifax 's online dispute service would not let me file this dispute and add the information. 
I would like these duplicate inquiries removed from both my report, and my husband 's, as requested by the accessing creditor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Equitable Acceptance Corp
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was called last year informing me that I am eligible for student loan consolidation. posed as a government organization they informed me all of my loans would be consolidated. Instead all they did was get all my information and pay a third party to fill out a student loan consolidation application when I could have done it on my own for free. all in all my loans did not get consolidated and I went on fedloan.gov today and completed the application myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continues to report incorrect infromation on my credit report. XXXX XXXX XXXX accounts XXXX and XXXX, issued a XXXX. Equifax needs to update their records showing that there is a XXXX balance as they are showing an open balance. Also, they are reporting incorrect data on XXXX acct # XXXX, as this account was a faudulate and should be removed from my credit file.

Company response to consumer: Closed with non-monetary relief