BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute letter to Experian regarding inaccurate information contained in my credit report. I authored the letter on XXXX/XXXX/2015 and sent the letter certifed and return receipt via US mail. On XXXX/XXXX/2015 I received a letter from Experian dated XXXX/XXXX/2015 stating they have determined the dispute was suspicious and not sent by me, a violation of the CRA. Experian has refused to conduct an investigation of my dispute within 30 days, due to inaccurante information contained in my credit report. I was denied a refinance of my mortgage, inorder to save in PMI of {$480.00} a month. 
Here are the accounts I have disputed : XXXX XXXX - Account # XXXX. Late reporting is not correct. 
XXXX Bank - Account # XXXX. Reporting status is not correct. 
XXXX XXXX - Account # XXXX. Incorrect late dates and amounts. 
CAP XXXX - Account # XXXX. Late reporting not correct. 
XXXX XXXX - Account # XXXX. Late reporting not correct. 
Please investigate and provide me with results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed numerous disputes with the credit bureaus, XXXX, Experian, and XXXX XXXX, and each are coming back with the same stall tactic and not doing anything that is required by law when a consumer requests. I have repeatedly asked for documentation of proof showing that they verified each account, and asked for the person or persons name that they spoke to, and still nothing. Just the same old generic letter.

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 2016-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Hi, I called to XXXX XXXX, but XXXX XXXX 's phone number is not correct. I found in my experian credit report. 
Remove from my credit report. 
Why are they keep checking my credit till XXXX. 

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 2016-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a XXXX time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither Experian nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at XXXX said he can see my score. But when I tried XXXX, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores

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 2016-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account XXXX XXXX XXXX was included in Bankruptcy Ch. XXXX in XXXX XXXX, and was properly discharged in XXXX XXXX through the bankruptcy plan. It has been over 7 years since the account was first reported " charged off '' in XXXX XXXX to Experian. The account was suppose to be removed in XXXX XXXX. However, it still remains on my credit report and states that it will not be removed until XXXX XXXX. I tried to upload additional documents proving that this account was included in Bankruptcy and was properly discharged. However, Experian failed my upload process ( I have tried several times ), and I was unable to upload the documents. Experian also denied me my right to dispute this account again with additional documents. Attached are the proof that the account was included in bankruptcy plan and the bankruptcy discharge order signed by the federal judge. Also I am submitting here a copy of my credit report from Experian from XXXX, stating the correct date when the account was to be removed from my credit report. As of right now, the Experian incorrectly reflects the date of XXXX XXXX as the date when XXXX account was included in Bankruptcy. I would like for Experian to remove this account as soon as possible from my credit history because it has been over 7 years since the first time the account was reported delinquent. Experian actions are detrimental to my ability to obtain new credit on the favorable terms. I will have no choice but to resort to legal actions, if Experian does not remove this XXXX account from my credit report immediately.

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 2016-09-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Experian is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Experian has failed to update with the correct information or delete the account since it 's closed and outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A fraudulent account is appearing on my Experian credit report. The account is XXXX XXXX XXXX XXXX account number XXXX. 
I 'm a victim of identity theft and have disputed this account with Experian. 
Experian refuses to remove this account from my credit report after numerous dispute attempts. XXXX and XXXX promptly removed this account from my file when it was brought to their attention but Experian has been negligent and careless, refusing to investigate this issue. 
The company that is reporting this information, XXXX XXXX XXXX XXXX has been unhelpful in my attempts to figure out why this is appearing on 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
Consumer complaint received 2017-01-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Experian for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Experian about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.

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 2015-04-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
says i have home loans and credit cards out ... 
I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... 
I lost my job too due to my XXXX. 
Something has to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX I called Experian twice about Inquiries showing up and disappearing and the rep told me that I needed to refresh my browser. I explained to him that its not a browser issue that something is going on with my credit score, not only that i had a fraud alert on my report, but I was told I needed to dispute them with the creditor - something that 's not mine???. I had to put a freeze on my credit because I do n't know what was going on. When I called them again to do another dispute the Customer Service did not help and take care of the negative inquiries reporting to my credit report. I also tried to log back in to view the case number and i have been locked out of experian

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 2015-08-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The following names below are spelled incorrectly or are wrong : 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 The following addresses below are listed incorrectly or are n't mine : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( missing lot # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine ) XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine )

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 2016-05-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is not reporting the correct date, the account was opened. XXXX XXXX has sent official letter stating the date the account was opened. Experian has done several inadequate investigations and has not completely and accurately investigated the file. Experian is also incorrectly reporting the XXXX 2014 payment as 120 days late and the XXXX 2014 payment as 120 days late There are all sorts of inaccuracies in their reporting and they will not comply with my rights to have a correct and accurate reporting of this XXXX XXXX account. It is unfair for me to continuously have to spend more time writing letters and verifying information they should have access to.

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 2015-12-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit reporting agency selected someone with my same name that was involved in XXXX court cases. I lived at the same apartment complex but in a different apartment XXXX. Confirms with attorney 's office and court clerk this was a different person. I need this off of my report! Thank you!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hi, I would like my free annual credit report. I am ineligible for retirement benefits from the US Social Security System - hence the credit bureaus do not have a social security number ( SSN ) on file. 

I can not use the website ( XXXX ) or the automated telephone system ( XXXX ) since both require a SSN. When I eventually get to a human in the credit bureaus, they are unhelpful as they refuse to investigate to get my credit report from their system ( which requires a SSN ). It is very frustrating and time consuming. 

Please instruct all XXXX credit bureaus ( Experian, XXXX, XXXX XXXX, and XXXX to provide my free credit report. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: Machol & Johannes, LLC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Dear XXXX I am responding to your contact about a debt you are trying to collect. You have identified the debt as " XXXX XXXX Bank, XXXX ". I received your notice via my land lord __________, the notice was not in a seal envelope, and was given to a XXXX Veteran who has XXXX and is confined to a small living area above my basement conversion apartment that I rent and use when in Utah. I am not sure on the date received or how long he had it on his coffee table. It was upsetting to him and I like my personal business mine. ______ said a man in a truck banged on the door and handed it to him when he finally was able to get to the front door and open it. I will protest this method of delivery. XXXX XXXX XXXX XXXX ] XXXX ( b ) " Illegally inform a third party about your alleged debt '' Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except : Your attorney The creditor The creditor 's attorney A credit reporting agency Your spouse your parent ( if you are a minor ) [ XXXX XXXX XXXX ] XXXX ( b ) How long do I have to respond? Utah Rules of Civil Procedure require that a response be made within 21 days of service. The 21 days begins the day after you were served the Summons and Complaint. Weekends and holidays are included, but if day XXXX is a holiday or weekend then the response will be due the following weekday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On or about I sent in a dispute to Experian regarding XXXX collection accounts. I have not received any response regarding this inquiry.

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 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Midland Funding and was advised my debt was now with XXXX and XXXX. I have not received any written communication or any calls from XXXX XXXX XXXX. I attempted to contact them through their website to settle the debt, but have had no communication returned. When I attempted to try and make a payment it said that I needed a file number. In the correspondence with XXXX and Associates I advised I did not have a file number. I've provided my email and phone number and advised them email is the best communication source during work hours. No emails or calls from anyone stating they are with XXXX XXXX XXXX, providing a file number. And now I just got a notification they are trying to garnish my wages without responding to my correspondence or providing me the necessary information to make a payment. I've also tried to contact them again via their website, during work hours and the request is now not sending, stating their website is not working or has timed out. Again unable to communicate with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX XXXX I experienced a foreclosure in the state of Arizona. I had a XXXX/XXXX/XXXX. The XXXX lien was with XXXX XXXX XXXX and the XXXX lien with XXXX Bank. XXXX XXXX XXXX has reflected the foreclosure since XXXX. XXXX Bank was reporting the {$25000.00} XXXX lien as closed since XXXX XXXX ; however, it came to my attention that my DTI was extremely high. This was odd since I do n't carry balances on credit cards. I have been building my credit back up over the course of the past XXXX years and it was in the XXXX zone if not higher. I reviewed my credit report and XXXX Bank was reporting that I owed approximately {$24000.00} a month in monthly debt obligations. Absolutely not. I disputed this and they corrected it. But when they corrected it they claimed the charge off to be XXXX XXXX. I have already experienced the devastation of my credit in XXXX and XXXX. I am now being penalized again for the same event by XXXX Bank, but today, XXXX XXXX. I have called XXXX Bank and I get no where. Experian says their hands are tied. This is violation of FCRA and I am being penalized for the same thing that I have been rebuilding from. I just received a notification that my credit score, from being XXXX in XXXX is now a XXXX. I have 8 % DTI. I 'm seeking help. I have also inquired with a lawyer if I ca n't get this resolved. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
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 several items that do n't belong to my credit history i have called and have sent all required info my ssn card, my drivers lic, anything they ask from me. please help me. 
these are the accounts that do n't belong to me XXXX i have called all these companys several times with no 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 2015-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I WENT TO ORDER MY CREDIT REPORT ON LINE AND IT DENIED ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I did not authorize a web site to perform multiple credit inquiries with several companies for an auto loan. I completed their application online but when I got to the part to authorize them to perform the service, I ended my application. They then went ahead and did a credit inquiry with several companies, including XXXX, XXXX, XXXX, XXXX. 

Experian refuses to remove these excessive inquiries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted each credit company to dispute all of the incorrect information on my credit reports. XXXX particular items were fraudulent accounts that were not authorized by me. The items where included in a chapter XXXX however I disputed those prior to the bankruptcy. I dont feel those accounts should be reflecting on my reports. Its hurting my account and its not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent them a letter is regarding an account that I have not had. XXXX note the attached document from the secretary of state of Ohio. 
I have no affiliation with this company. Its a business credit card processing application. 

I sent them proof from secretary of states office ( attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation