BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am requesting the removal of XXXX judgment ( below ) on my Experian credit report due to Civil Case No. XXXX, XXXX XXXX XXXX XXXX Al., v. XXXX XXXX XXXX , XXXX, I did not know the source of their information on this judgement and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this judgment as soon as possible. 

Judgment Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this judgment listed on my credit report has been removed within 15 days of the date of this complaint. Your attention to this matter is 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 2016-04-27
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, This is my second time submitting this information. After about XXXX months of dealing with ID theft I had requested removal of the fraud alert on the Experian file and enclosed all the required documents, which Experian indicated were needed as described in their original correspondence with me when the alert was put on the file. I received an acknowledgment in the mail but they placed and additional 90 day alert which is exactly opposite to that which I had legally request. I 'm attaching the documents which were provided and request for the fourth time that they remove the alert. Do I need to ask a federal judge to make them listen?

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 2017-02-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have requested in writing over a dozen times for the last year that Experian remove some incorrect addresses from my credit file. I was a victim of identity theft and still disputing some items on my credit file. Experian has ignored most of my request to remove the incorrect addresses on my credit file indicating that they were accurate addresses belonging to me. I also requested that they send me proof of this explanation from their company or the company who reported the incorrect addresses. I still have not received any documentation to prove I resided at or that I am affiliated with the above mentioned addresses.

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 2016-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX accounts that are the same. Both XXXX accounts are the same and even have the same account numbers with XXXX different status. 
I have a XXXX account that is more than 10 years old and should be deleted.

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 2015-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian has allowed XXXX XXXX to report an account that was XXXX reported by XXXX ( XXXX ). This account was removed from file. This is not my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have notified Experian on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : 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 non-monetary relief
Consumer complaint received 2016-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a formal dispute letter to Experian Credit Reporting Agency. About a account on my credit report that ca n't be verified. This debt was owned by XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After my Personal Financial Coach Investigated the account on my credit report the account was transferred to XXXX XXXX XXXX. After the Investigation with XXXX they could n't find the account either. At this point the account on my credit report can not be found by XXXX XXXX XXXX or XXXX XXXX XXXX. 

After sending the letter to Experian to Investigate the item on my credit report the situation was never resolved properly. They claim that they investigated the item and it belongs to me and how come neither XXXX XXXX XXXX and XXXX XXXX XXXX ca n't find the account to discuss it with my Personal Financial Coach XXXX XXXX. By the Fair Credit Reporting Act, I can have whom I choose to help me with any account that is not reporting correctly on my credit report. I am going to provide audio recording to prove that Experian Credit Reporting Agency never investigated the account. I am providing the letter I sent to Experian Credit Reporting Agency and Tracking Information to prove they sign for my letter. I also, did a Original Creditor Dispute to do my own investigation. I am going to provide that letter I sent to XXXX XXXX XXXX and XXXX XXXX XXXX as well.

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 2015-05-28
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried online and in writing.All XXXX agencies have asked Questions about accounts I have or may have had. I have had over XXXX accounts from car loans to mortgages to banks and credit cards which some have changed names over the past 7 years. I have had no credit activity for over 6 years. I am in desperate need for all XXXX credit reports and have run out of options.You can apply for credit with a business with just name and SS # and they can get your report in minutes ( ridicules ).

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 2015-10-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I strongly believe I have been wrongfully foreclosed on. I am following up and giving you a status on what the banks have done to me and my family by refusing to work with us from the beginning when we defaulted on the mortgage loan. The certificate has been issued back to the bank XXXX OWNER servicer Wells Fargo mortgage. I do n't understand how the big banks got a bailout and they refused to modify my mortgage loan, instead decide displaced us from my home. This was my only and first time home. Now we have lost it to foreclosure. I have been advised they sold the home to XXXX, XXXX and they sold it to another investor XXXX, XXXX for {$110000.00} a double closing. Why could n't they modify my loan for that amount which would 've been afordable. My mortgage loan was for {$220000.00} interest only loan 10 years ago. I am so upset and disgusted. Who is watching over these transaction?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was XXXX and they had written off XXXX accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for XXXX of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under one account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
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 2017-01-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we got a little behind on our mortgage payments with XXXX. We got caught back up but then they sold our mortgage to Carrington before we were able to apply for Mortgage assistance. We were transferred over to Carrington as of XX/XX/XXXX. I applied for mortgage assistance with Carrington in XXXX. I sent the required documentation via USPS on XX/XX/XXXX. I received a letter asking for additional documentation so I called and asked what they needed. I was told that my husband had not signed the signature page and that they needed more pay stubs from me. I get paid one time a month so I had only sent one stub. So, on XX/XX/XXXX I sent the completed packet once again with three months worth of paystubs via USPS. I also uploaded my paystubs to their website. I received a letter dated XX/XX/XXXX claiming they are cancelling my application because I failed to provide the required documentation. When I called them on XX/XX/XXXX, the date I received this letter to find out what was going on and why they had not applied the checks they have been cashing to my account I was rudely informed that I had not turned in the required documentation on time and that they will not apply the money to my account until they have full payment. When I questioned what documents they had not received they told me my paystubs were not sufficient and that I needed to send in a letter explaining that I only get paid once a month. I informed the woman that it is clearly stated on the pay stubs the dates I am paid for. Long story short, I ended up hanging up on the woman because she was not listening. I called out local HUD agency and she referred me to you. SImply, I would like to reduce my mortgage payment because I am currently unable to pay {$950.00} per month and still maintain the other bills I have. I have requested they simply lower our 6.75 % interest rate, but they will not do that. I would like to receive mortgage assistance because I do not want to lose my home. My husband and I both work hard and have jobs, we are not trying to get out of paying our bills, we just need a little help right now. I do have documentation but it is all paper copies. If you would like me to send in my paper documentation I can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while XXXX and Experian have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to Experian indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I called Experian who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX to 45 days ( although as of today it has been 48 days ). I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, XXXX and Experian refuses to make this correction within the quoted time of XXXX45 days. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2016-06-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian report number : XXXX, per the credit report the following accounts were supposed to be deleted in XXXX 2016. Per checking on the Experian website on XXXX/XXXX/16, the following accounts are still appearing : XXXX XXXX {$990.00} XXXX- {$14000.00} XXXX- {$17000.00} XXXX- {$26000.00} XXXX- {$25000.00} XXXX- {$4600.00}

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 2016-02-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We continue to see low scores from the XXXX credit bureau for many years, and especially Experian. Our payments are always made on time, and the rating we have been given continues to hinder our ability to refi our home which has a very high interest rate. The scores are based on debt ratios or credit card balances. The credit bureau are basing low scores on a few credit cards thus not showing an accurate rating considering an abundance of flawless accounts. We had spent many hours some years ago cleaning up inaccurate information and still the scores continue to remain low. We are not sure if taking legal action would help our situation, but life is too short to have credit bureau dictate our ability to get ahead when scores are based on half the information of an individual. I am sure their scoring methods hurt many families and I find it hard to believe that our justice system would allow this to continue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Experian Information Solutions Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Experian is reporting XXXX Mortgage as 60 days late. The first payment was due XXXX 2016 from a refinance, per FCRA law a mortgage company may not report the first 60 days late due lender changes. I am XXXX Military and XXXX. I did not receive any document on who to pay before I left. I just learned by email on XXXX XXXX that the lender is XXXX. I do n't even have an email or account to pay them. I contacted the refinance company XXXX XXXX and they could not tell me who lender was either.

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