BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made all my payments had have been paying them each month since I got the car. The moment where m payments were paused was during the covid time in XXXX. I spoke to representatives over the phone about having issues with payments in the months of XXXX and XXXX of XXXX but I guess they did not update the notes. I paid them but was having issues with the method of paying them not working properly.

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 2015-05-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to " XXXX '' a XXXX agency/company which sense it to the all three credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2015-08-20
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Additional document to support disputes found on case numbers : XXXX ; 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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have contact each creditor and credit bureaus with NO results I am a victim of identity Theft 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/2016 I submitted Identity theft papers to experian consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. 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 2016-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian 3 times as well as XXXX XXXX about an unknown collection account that appeared on my credit that does not belong to me. Thus, far I have not received a response in this regard from Experian or the collection agency and it has been 2 months. However the account still remains on my credit. 
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 2016-03-15
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do 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 2016-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Filled out the forms to. Get my credit report after being denied credit. I believe there are many things that can be deleted from my account out dated bills. Charged off bills and bills taken over by other companies. Most of my poor credit is due to u paid medical bills. I am indengent and on medicaid can I get help with forgiveness on those bills and my student loans

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 2015-11-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting ) the freeze. 
However, Equifax online does not provide the option for victims, but rather has only XXXX default - Pay them {$10.00}! 
Nor does Equifax mention this available free option ( again, going for profits while using our info tho willing to leave it exposed due to Equifax delays in implementing a Freeze when demanding fees and nonsensical reports ). 
Especially galling is the fact that I am an ID Theft victim as verified by another Credit Reporting agency, XXXX ( attached ), i.e. my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, ALONG with XXXX XXXX other XXXX victims of this theft / XXXX breach. 

In contacting Equifax on XXXX occasions, XXXX and XXXX Equifax asked ( XXXX ) that I send a written request. Then when they ignored that, I again called ( XXXX ). They now asked for the attached Experian notice. 

Again Equifax ignored that which led me to call on XXXX/XXXX/2015. The first level rep, then the supervisor, then the next level supervisor ( XXXX XXXX in the Equifax Consumer Affairs Office ), first stated Michigan law did not apply ( false ) ; then that only a police report would qualify me for1 ) a refund of my {$10.00} that they essentially extorted from me ( the only way I could implement an immediate freeze to avoid serious credit, monetary, and repair time losses ; and,2 ) as per Michigan law which Equifax denied, no charge for the ongoing freeze ( including no charge for lifting / resetting the freeze in the future ). 
However, proof of ID theft is NOT restricted to a police report. 

Not only does Equifax provide false information ( MI law ) and ignore responding to follow-ups they request, but they also are willing to put victims of ID theft at risk if the victim does not pay them to implement a freeze. 
However, Equifax states that if consumers ( in this case all XXXX MILLION of us ) can get a police report re the breach, Equifax will " generously '' waive the upfront fee .... what a farce, they only apparently want to collect fees from OUR information. 

Meanwhile, XXXX and XXXX had no difficulty immediately implanting the free ( per MI law ) freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made an attempt to make police reports but was denied which led me to wonder why I was being blacklisted at many places. Infact, so much of my information is compromised I could not even obtain my own credit report. My mail was moved without my permission. I had to put the matter with law enforcement through MI DEPARTMENT OF CIVIL RIGHTS. THE NEXT TIME SOMETHING WAS FRAUDULENTLY DONE IN MY NAME WHICH CAUSED ME TO BECOME OVER ANXIOUS THEY SUGGESTED CHANGING MY SOCIAL SECURITY NUMBER, I CAN NOW NOT BE SO SURE AS THIS IS ONE OF MANY PROBLEMS I HAVE HAD WITH THEM BEING DISCRIMINATORY. I was not actually able to go to the social security office in my home town, as I even felt they we 're some what discriminatory ( XXXX, Mi ). They would n't even let me sign up for SS on line on their computers. I had to go downtown to XXXX to do any business even after obtaining pieces of my stolen identity such as XXXX, SS CARD, INSURANCE CARD, ID. I COULD N'T USE THE SECURITY OF STATE TO DO MY BUSINESS IN XXXX, OR RED FLAG MY IDS AND ABOUT XXXX WE 'RE STOLEN. There we 're weird addresses in states I 've never even visited in on my credit report. On XXXX it looked like my age had been compromised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX 2015RE XXXX XXXX - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW XXXX, RCW XXXX and XXXX UCC XXXX ( b ) XXXX, XXXX XXXX, Title XXXX XXXX XXXX and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
# # # I HAVE BEEN DISPUTING THIS FOR 4 YEARS SINCE XX/XX/XXXX # # # # # This information has been disputed over and over again and has consistently been reported inaccuate! In XX/XX/XXXX, my loans were consolidated by XXXX XXXX ( dept of ed ) and placed in good standing ever since I am currently in repayment in good standing since XX/XX/XXXX. THESE ACCOUNTS WERE NEVER IN COLLECTION WITH AN OUTSIDE COLLECTION AGENCY! I have adamantly disputed and requested documentation from both experian and the dept of ed since XX/XX/XXXX these XXXX accounts in question ( XXXX ... ) dated XXXX XXXX have been reported numerous different ways concluding investigations over the years. Inititially, it was reported as a charge off, then a collection and also at XXXX point both a collection/chargeoff. ALL WHICH ARE INCACCURATE AND UNTRUE. These XXXX accounts consolidated on XXXX/XXXX/XXXX by direct loans in the amount of XXXX ( XXXX loans ). THIS IS THE MOST RECENT AND ACCURATE INFORMATION REGARDING THESE XXXX LOANS WHICH ARE NOW BEING REPAYED WITH A NEW LOAN SERVICER ( XXXX XXXX borrow ). They are not permanently assigned to government or was in collection in XX/XX/XXXX as reported in the payment history on my experian report. In fact, there is no other payment history being reported beside this negative info dated XX/XX/XXXX. 
# # # # # I HAVE AMPLE DOCUMENTATION CLEARLY INDICATING STATUS OF CONSOLIDATION XX/XX/XXXX FROM DEPT OF ED # # # #. In fact, just last month i disputed this inaccurate information again ( since XX/XX/XXXX ), I went to great lengths to provide documentation from creditor ( dept of ed, XXXX ) clearly stating both loans were consolidated, paid, and MOST UPDATED STATUS IS " CONSOLIDATED IN GOOD STATUS '' as a result of my recent dispute in XX/XX/XXXX ( report # XXXX ), onc account was removed and the other still remain as a negative account ( XX/XX/XXXX collection mark in payment history ). BOTH ACCOUNTS SHOULD HAVE BEEN REMOVED AND REPLACE WITH A GOOD STANDING OF " CONSOLIDATED XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While checking my credit report, I noticed unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015, on XXXX.I did not authorize anyone employed by XXXX initiate an inquiry on my behalf.XXXX has seriously violated my privacy Act and FCRA Sction 16:1b ( c ) .I personally contacted XXXX to informally resolve this matter but they denied my request without any evidence allegedly that I made the applications on line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Received this in my email today ( Unable to apply for a XXXX loan at this time ) I never applied for a loan. This " so called company that calls itself XXXX " does not exist and is a SCAM!!!! They indicated my EXPERIAN SCORE was XXXX which is false. I do NOT want them to touch my credit. Please investigate this illicit activity. Experian purposely make it almost impossible to get through Thanks

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 2016-07-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : https : XXXX Thank you in advance for helping me get these removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have transmitted Affidavits, including certificate of Authority and a Factualized Trust to Capital One Auto Finance via Registered Mail As of date, they have failed acknowledge, respond or attempt a resolution for this matter but continue to leave threatening message on a daily basis. 

I have attached some documents I have sent to Capital One Auto Finance, please supply a secured email to provide all documents. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I were informed by Specialized Loan Servicing via a letter dated XX/XX/2020 that our hazard insurance had expired. On XX/XX/2020 we talked to XXXX ( our insurance coverage ) with whom we have had coverage since we bought our current house. 

The XXXX rep told us that our coverage had not lapsed and that in his opinion it fit the ( unclear and undefined in the letter ) definition of hazard insurance. The rep faxed proof of coverage to the number provided by Specialized Loan Servicing. 

We received subsequent letters stating that Specialized Loan Servicing felt our coverage had lapsed. We uploaded proof of our insurance to a portal they provided for that purpose but continued to receive notifications. 

We than talked to a Specialized Loan Servicing rep on two or three occasions and were told that we had coverage and not to worry about it. We asked for written/emailed confirmation of that and never received it. 

Instead, we were told that Specialized Loan Servicing had bought insurance for us and then that they had set up an escrow account. Finally, we were informed in a letter dated XX/XX/2020 that we would be billed an additional amount on our monthly mortgage until the escrow account was paid off.

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 2016-06-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I closed out my credit card account with XXXX XXXX bank but they reported that I was delinquent in paying starting in XXXX XXXX. I asked them to close my account in XXXX but they did not and reported me as delinquent instead. I attached a letter from XXXX XXXX Bank stating I have a {$0.00} balance and the account is closed

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 2016-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX. Credit bureau service is reporting another ladies information on my report. XXXX XXXX XXXX. I would like her information moved of my credit report at once. I have great credit and is obvious this XXXX XXXX XXXX does not. Her dob does n't match dob. Her social security does not match mine. This is hurting my credit. Just because the worker are to quick to put info in get a job done. That they are not paying attention to the information. Please get XXXX XXXX XXXX of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My name is XXXX and I'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they don't provide anyone with debtor's full social security number and they don't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I'm requesting to have it removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Experian explaining to them that this collection account does not belong to me. Experian sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Experian needs to delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation