BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted the creditor and they acknowledged that the account was in error and that I did not owe the amounts in question. I have a letter from the creditor stating the same. The creditor contacted all three credit reporting agencies to correct the information and only Experian continues to have the account as legitimate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME OVERSEAS CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After reviewing my credit report, I contacted XXXX, Equifax and XXXX regarding XXXX reporting inaccurate information on my credit report. According to my recollection, it 's been more than 7 years since the account was paid. I requested all XXXX credit bureaus investigate the account and remove the outdated account. After XXXX, Equifax and XXXX refused to remove the accounts, claiming they have verified, I contacted XXXX on XXXX/XXXX/XXXX to request verification and documentation on the account. XXXX responded XXXX/XXXX/XXXX by simply stating the account was verified but did not provide me any of the account information that I requested. On XXXX/XXXX/XXXX, I contacted XXXX, Equifax and XXXX requesting a 3rd time that they properly investigate and verify the information on the account due to XXXX not being able to provide me with any information on the account or any records. XXXX/XXXX/XXXX the credit bureau responded the account was verified and did not provide me with their method of investigation as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom it may concern : I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister, XXXX XXXX, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX loans that are reporting as No Status on my Experian report. I have disputed this account as I disagreed with the balance and date of final activity. Instead of the information being updated or deleted, it has been updated to " No Status '' with no information available. The tradelines also state " Account in dispute under Fair Credit Billing Act ''. 
The dispute has ended according to Experian. In addition, Experian will NOT allow me to dispute these accounts anymore. If they can not verify that XXXX is reporting correctly, these XXXX tradelines should be deleted from my report as soon as possible. I have applied for credit and these " No Status '' tradelines have caused me denial of 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
Consumer complaint received 2017-02-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX offered me a pay and delete offer in 2013, in which I accepted and paid {$93.00} in XXXX 2013. XXXX cashed the check on XXXX/XXXX/2013 and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.

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: EQUIFAX, INC.
State: DE
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:
To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a bill today for an escrow shortage and a notice to foreclose on my residence. I have made all payments for real estate taxes and insurance for several years. This is a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has multiple accounts showing on my credit report that have been included in bankruptcy. These accounts show to have been included in bankruptcy but still show balances, past due dates and negative pay history. They have refused to fix this mistake even though I have asked them to twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is reporting an account that does not belong to me from New York Federal Count. I sent a letter ( image is attached ) to the data furnisher that has been returned as undelierable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. SYSTEM, INC Reached out regarding balance. I advised him that this debt did not belong to me. They gave me instructions to reach out to The original creditor. When I reached out to the creditor to resolve issue their business phone was no longer in service.

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: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been unable to get a credit report from experian. I believe there are wrong information and would like to review all of my credit scores. I have n't had a credit card in a long time and need to find out what is on the credit reports they say I am entitled to a free report but ca n't seem to get in contact by phone or online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my XXXX daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Grain Technology, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a {$70.00} annual fee from Grain and in my documents it says no annual fee. The company automatically took {$70.00} from my checking account for an annual fee that Im not suppose to have. I have my agreement from grain that says no annual fee. This is wrong what they did and a scam. Im so upset and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Re : Request for Addition of Credit Information Dear All According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with [ [ Creditor Name ] ] be added as soon as possible. The account has been open since [ [ XXXX/XXXX/XXXX ] ]. 
I have attached paperwork proving that the account should be reported under my social security number for your review. 
I understand that, " A consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' I look forward to receiving an updated copy of my credit report reflecting this change. 
Thanking you in advance for your assistance. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: ENCORE CAPITAL GROUP INC.
State: AR
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:
Midland Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I mailed a request for a copy of my credit report using the form provided and completed the information they requested. Experian was the company I requested the report from. 
It has been over six weeks, and I have not yet received a credit report from them and they have not been in contact with 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 2015-10-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experience will not investigate unusual reporting of my identity. I have sent document proving I have never gone by the name XXXX XXXX. That I do not have a SS # that ends with XXXX. And that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am attempting to improve my credit and I am concerned that someone at some time used my information or that my information is crossed with someone else and want it investigated. They did not investigate. There are XXXX social security numbers on my report and they will not look into it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
This is about Huntington National Bank, I have had to file XXXX XXXX cases against them for what started out as fees that should n't have been charged on XXXX accounts. Then XXXX started taking out money and overdrafting the accounts, and a block was put on them so they could n't withdraw any money, they were taking direct debits that were n't authorized. Then I started to get harassed by customer service employees, they would no longer help me on the phone, and my contact person for the XXXX cases started harassing me. Once this started, the XXXX block was taken off of the accounts and many transactions that did n't even make sense and a lot of fees were going on, and were not being credited back, the XXXX was no longer able to get anywhere with the contact. He refused to issue anymore refunds to any of our accounts. It did n't matter that these were fraudulent charges, and unauthorized charges. I had opened XXXX accounts to just be XXXX accounts for my mom and myself, and charges like crazy and fees were going through those as well as the bill accounts. There were many times we were unable to pay our bill and ended up getting a month behind, because the bank would n't refund the fees, so that the bills could go through a second time. I opened another case last night because all XXXX accounts have been allowed to total over XXXX in fees and charges that were put through on already negative accounts. Mostly because of XXXX being allowed to take whatever they want. I opened a case with XXXX on Sunday that covers all of XXXX through today of the fraudulent charges being put through. I have repeated my case over and over, and I no longer get help this has me so upset and worried, we moved to a new bank, and I want these accounts to be at XXXX and closed that 's what I 'm asking for now, I do n't want this to be sent to collections for charges and fees that are n't our fault to hurt our credit. Please do n't back down from this company and see what they are doing with these accounts. the contact in question, tried to call me after the case was closed, he is the XXXX harassing me, he has been spoken to, and not supposed to contact me, I do not want harassment from him and the bank employees to continue, Please stop him as well. I 'm becoming afraid of what he is doing possible to the accounts because he has direct access to them, and what he may do to me in a harassment manner, he has my address, and my state is right next to his. I just want this all over with, and the accounts closed. This has been a horrible experience, the XXXX recommended that I contact you this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed an account on my Experian and XXXX credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a XXXX time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX outstanding issues with my Experian credit report which have negatively affected my credit score : 1. The XXXX XXXX credit account listed in the report is not mine. This account is linked to my college address and was reported to be opened under a name that does not belong to me. At the time this account was reported to be opened, I had already graduated college and was no longer living in that address. I never authorized to open this account. I am requesting that the item be removed to correct the information in the report. 

2. The name linked to the XXXX XXXX credit account is not mine. I am requesting that the item be removed to correct the information in the report. 

I have provided Experian my SSN and passport which states my legal name. Experian has not corrected these XXXX issues even though I have written and disputed the information. 

Attached is : - An excerpt of the original letter I wrote to Experian. 
- A copy of my passport. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- An excerpt of Experian 's dispute result with the credit account that does not belong to me. 
- An excerpt of Experian 's dispute result with the name 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 non-monetary relief