BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initiated a dispute with Experian, XXXX and XXXX on XXXX regarding inaccurate information reported on XXXX of my student loan accounts. As of XX/XX/XXXX the information had still not been updated despite the fact that the creditor had updated my accounts and sent out updates. On XX/XX/XXXX I requested cancellation of the disputes with all XXXX bureaus and sent documentation from the creditors directly to XXXX and XXXX in an attempt to have my file updated in order to be approved for a home loan. I was not able to do so for Experian. I spent over 90 minutes on hold, explaining the situation again and again, I was transferred 5 times and told my only options were to upload documents to the website or to mail the documents. The website was not working and no one would help to resolve the issue. I attempted to upload in pdf, with a file size of XXXX, which per the websites instructions was perfectly reasonable. I attempted XXXX different browsers on XXXX computers, I renamed the files, I tried to scan the pages individually. Nothing worked. Not a single representative with Experian provided me with a phone number, an email address, a name or anything else to assist me in sending these documents. The accounts in question should never have been reported as delinquent and are preventing my husband and I from making an offer on a home as we can not obtain a pre-approval. I am beyond furious that on top of being penalized and having my FICO driven down by erroneous late payments ( 3 years of late payments being recorded while these loans were included with a bankruptcy by the co-borrower on the account, not even me! ) and now I can not even update the credit file in order to obtain a home loan and not a single person with Experian lifted a finger to try to help me in resolving this quickly. It had already dragged on for more than 2 weeks. I am quite sure there are other secure methods for sending information, or someone within the company who could have assisted. Further, if their website is n't going to work then someone should be taking responsibility for ensuring there is either an alternative method that can be used besides mail ( seriously, you want me to wait ANOTHER 7-10 business days on top of the 10 I 've already waited because YOUR website is n't working?????!!!! ) to send information securely. As it is, we will likely lose the home we are trying to make an offer on due to mistakes that are not mine because no one was willing to help 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 2015-06-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a bankruptcy from 2005. It was filed ten days before the newBankruptcy laws were effective therefore does not fall under the ten year rule and should be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Set up a automatic payment program with XXXX. Made no changes on my part. Mid stream the changed. It appears they used an outside source - caller ID not provided - first question is my full SS. Communications broke down on their change. Repeatedly told them to take payment. They did no, .have contacted bank to no avail. The impact is a XXXX point problem on my credit rating. Never changed anything on my part Same accounts to withdraw from. I seem to be caught in a procedural issue.

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 2020-08-06
Company: WELLS FARGO & COMPANY
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:
I have a loan with XXXX XXXX XXXX  and WF CRD SVC. I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and XXXX XXXX XXXX and WF CRD SVC with no successful resolution. There was definitely an error on their part.

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 2020-01-05
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in the process of buying a car when it was brought to my attention. 
The following account are not mine I cant find any contracts for business with this company I have never done business with FEDERAL ADJUSTMENT BUREAU COMPANY ( FABCO ) there is a account entry XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt. I failed to see anywhere that FABCO is in compliance with 1319.12 ( O.R.C. ) Taking Assignment of Debt! I would like the see any return checks for business? I demand to see any and all legal documentation connected to this account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Huntington Bank understated the amount that would be credited to my account as a finance charge during the closing process. I was required to pay {$470.00} more than was agreed upon. They have refused to treat this as an overpayment, applying it to the principal at the time of payment, but instead have sent a check with a small amount of interest for the error on their part. 

I contacted them to correct this error, they refused to fix it. 
I asked for mediation, they refused this. 
I tried to mediate the issue through the XXXX XXXX XXXX, they refused. 
I tried to file in small claims court over the amount and they have now removed the case to general civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: GREAT LAKES
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
The balance on my student loans is not accurate and have submitted a discharge application but all my supporting documents including bank statements were rejected and not used to make a decision by Great Lakes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Experian credit report credit information does not match other credit reports XXXX not XXXX XXXX, My Experian score is more than 40 points lower using the same credit scoring system, I looked at the accounts and credit information is wrong

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 2020-08-06
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My social was stolen in XXXX in XXXX Georgia I did my police report and I call the 3 bereus to tell them. But yrs Past and it got worse. Now I got hack all my account information my emails my phone numbers. They have take car loan student loans and personal loans. Im tired of this night mare I have not be able to used my benefit of my social for 20 yrs and the only thing I get is call just to pay bills that are not my .. I want a solucin and get reward for the yrs I lost I disbute a lot of account but in the 3 bereus they have not erase nothing that they closed. I call and they never respond so they can help me more so they can take out the information that I have not used. My social is lock. My email have been hack XXXX XXXX XXXX everything is hack they have all my information. Is a night mare

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 2017-01-12
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Please review my original case # XXXX. It was closed after a response was sent in from XXXX XXXX XXXX of Fed Loan Servicing. Please do n't close this case out until my issue is resolved. The original issue is not resolved, and it does n't make sense for CFPB to close out the case if they receive a letter from a Fed Loan Servicing Vice President. 
Fed Loan Servicing recently sent me an updated service history showing XXXX payments qualifying towards the PSLF program, better than the XXXX they had on file before I asked for an audit, and better than the XXXX they dropped me down to once the audit started. XXXX " qualifying '' payments are needed to forgive my loans, meaning I have to send in the amount due in total each month. XXXX payments were marked as non-qualifying as " full installment was not satisfied ''. Fed Loan Servicing intentionally shorted the amount due ( in bold print ) so I wo n't be able to reach the XXXX qualifying payments. Please review the attached documents proving the Fed Loan Servicing sent me XXXX incorrect monthly " payment amount due '' invoices. All XXXX payments are off by a total of {$3.00}, and I would be willing to pay the {$3.00} to get these XXXX payments into compliance. 
There is more to the story, so please read the attached word document and see scanned in images of the invoices in question. XXXX payment made to XXXX, the servicer prior to Fed Loan Servicing was XXXX PENNY short back in XXXX/XXXX/XXXX. I am requesting that Fed Loan Servicing produce the invoice so we can see if that contained an incorrect amount due total. 
Fed Loan Servicing Borrower Advocate XXXX XXXX was assigned to work with me. I am corresponding with Senator XXXX XXXX 's office. I have made a complaint to the XXXX Ombudsman 's office and submitted a complaint at XXXX feedback center. 
Something is not right at XXXX and PHEAA 's Fed Loan Servicing. It is like they do n't want me to make the XXXX necessary payments. At no time have they put me in a past due state when the numbers did n't match up. Serious attention should be given to this, as a lot of people are going to be putting in for XXXX starting in XXXX XXXX. They are going to have a rude awakening to PHEAA and Fed Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was a victim of fraud and my information was used for a student loan l'am still dealing with. And it has messed up my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
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:
I was a victim of fraud and my information was used for a student loan l'am still dealing with. And it has messed up my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CITIBANK, N.A.
State: FL
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 FILED BANKRUPTCY AND INCLUDED THEM IN IT AND CITI bank sent it to a collection agency which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports CITI BANK {$2300.00} COLLECTION AGENCY XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet

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 2020-08-06
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX/XXXX XXXX XXXX  XX/XX/2019 inquiry date Did not approve of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my annual credit report from XXXX, but all it said after I filled in my information was the vague : " A condition exists that prevents Experian from being able to accept your request at this time. '' A web search shows that a number of other people have encountered this as well. I 'm not sure whether I should even bother trying phone or mail, since the error message does n't say whether the error is temporary. 

I also tried to contact them on their contact form, and that was difficult since their form rejects line breaks and most punctuation, then kicks you out after XXXX tries!

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 2022-02-24
Company: Experian Information Solutions Inc.
State: FL
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:
I am refinancing my house with XXXX XXXX  and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX  XXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. XXXX XXXX  record all their calls so you can ask them for the call on XX/XX/XXXX with 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 2020-10-07
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I attempted to pay a debt I owed for an apartment in XXXX. The amount on my credit report was {$3700.00} but the original amount was {$2500.00}. In an attempt to pay the original amount which I can pay I was told they could not remove the interest amount on the account. {$1200.00} more dollars is highway robbery on a debt. I was unable to pay because I XXXX my XXXX  in the first place and now I am able to do so and they are unwilling to help. They wanted to put a down payment and then pay the rest which would continue to incur interest meaning I may not be able to make those payments and end up in the same situation. Something needs to be done about this. They've purchased the debt for little of nothing and want to charge you more for having it. I never received any correspondence from this company regarding the charges or interest. I only found out when I checked my credit report. Something needs to be done to stop this. I am willing to pay the {$2500.00} to have this taken care of. It's like paying the same debt twice at this point which is crazy to hard working consumers. I have recorded the conversation as well and will upload so you can hear how she talked to me. I didn't appreciate how I was talked to you as well when I was only trying to pay off the collection that is it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: FL
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 FILED BANKRUPTCY AND INCLUDED THEM IN IT AND XXXX bank sent it to a collection agency which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports XXXX XXXX  {$2300.00} COLLECTION AGENCY XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet

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: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Company stated my information was not specific, I sent additional Documents on XXXX, including Police Report, Affidavits, also notifying Equifax not to respond to me by email but company continues to do so. company sent letter stating they will not comply to CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
1.There is a collections account on my Experian credit report that appears twice but listed under to different collection agency names. Experian claims that its not reporting on my report but that information is false. Company is XXXX with a balance of {$700.00}, XXXX, XXXX XXXX MO XXXX. The other reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX with a balance of {$700.00} This inforation should not be reporting on my report information is not accurate. 
2. Collection recors with XXXX is not correct those bills were paid in full, comcast will not provide service if you owe a outstanding balance. These items should be removed 3.XXXX XXXX bank is reporting my late payments never late with payments. 
4. XXXX reports account in collection, this company filed a judement but never showed up in court to verify account, this item should be deleted from 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 non-monetary relief
Consumer complaint received 2017-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed with Transunion around XX/XX/XXXX, about an account with XXXX XXXX stating that the insurance company paid them late, not me XX/XX/XXXX. Which made that account 30 days late. 
But not only was my dispute rejected from XXXX XXXX according to Transunion, they deleted a perfectly good Tradeline from my Transunion report, which lowered my score by XXXX points. It was XXXX XXXX XXXX XXXX a credit card that was deleted. I never disputed this account. 
So I called XXXX XXXX XXXX XXXX to see if a dispute was presented to them in error. 
And XXXX said " no dispute was ever sent to our company From Transunion ". 
So, I think that Transunion did this on purpose. Or error. Which ever one, I need to know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I do not work and have never worked for the XXXX XXXX XXXX. 
I do not Work at XXXX XXXX -- it should read XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2007 I was moving and canceling my XXXX cable service. I was late returning the cable box and was negatively dinged on my credit. This was 9 years ago and it is still the first thing that comes up on my credit report. I have never been late on credit card payments and have been building my credit since I was XXXX. There also seems to be credit card delinquencies that are not substantiated and are false. This is an unfair system that does n't have sufficient oversight into correcting issues like this. Please help me! 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