BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian has been emailed but I have not yet received a response. My story is below. 
-- -- -- -- I was denied a mortgage loan due to my FICA score being too low. In an effort to see what could be fixed on my credit report I ran into no end of hassle and frustration, constantly plagued by advertisements and upsells - all to get information that is specific to me and no one else. XXXX, XXXX would n't even tell me how much money they were going to charge me to see my scores - I purchased it through a different agency. 
So we start with the ol ' " let 's pull our Free Yearly Reports '', only to discover that the free report is fine and dandy - but it does n't include your credit score. To see the actual number that is used to judge your fiscal morality, you got ta pay more money. 
So I do. I XXXX it up and I pay. And then I pay even more so that I can see all XXXX reports and all XXXX scores. 
XXXX! Experian screams from my screen - if what you want is a MORTGAGE, that 's a completely different number - and we get to charge you for that XXXX too! 
So I pay again. I again go through the process of removing myself from all of the spam and upsells. I stop the " free trial that we 'll surreptitiously charge you $ XXXX for as soon as you forget that you came here ''. 
24 hours later I received an email from Experian - explaining that they can send me email if they think it 's important to my account. The content of the email? XXXX more offers to take my money to correct a number that I have to pay to have access to. 
Lastly, on digging around to try to find out why my XXXX score is so low ( a full XXXX points below my actual credit score - which becomes a barrier at this point ) it turns out that my XXXX score is provided by yet another company collecting my information without my knowledge, using yet another mysterious formula that is supposed to psychically predict whether or not I 'll have problems in the future ( you know - the same thing that the other XXXX credit scores are supposed to track ). 

The system is rigged. We are all unwilling participants in a game where the rules are secret and can be changed at a whim by people that obsessively grub for money from those of us that have the least amount 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 2016-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is blocking my attempts to dispute entries on the credit file they keep on me stating that they are previously verified. Things change and/or are incorrect on it but I can not even correct anything because of them. This is illegal and they have been routinely doing this to the public for a few years now, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
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 have been unable to obtain an Experian score and I 've contacted them twice and have been told I have a score yet I ca n't pull it up?!

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 2015-08-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
got a home equity loan in XX/XX/XXXX got pay of balance for my card + husbands at XXXX XXXX, Mailed both checks on about XXXX. The credir card company applied XXXX payments to my husbands account, leaving mine past due and over the limit. I did not discover their error until XXXX at which time I called and inquired about status of card, they finally applied payment to my account on XX/XX/XXXX. They accumulated late fees during that time and now say I owe {$630.00} I have been fighting this for 5 yrs. It is clearly their error. I have receipt of check from bank and statement showing when payoff was applied from XXXX XXXX. I contacted them within 30 days by mail to dispute it but they say they never got letter, so this is on my credit report, I have tried to resolve this matter but the card co. says because I mailed XXXX payments in same envelope is why they applied it to husbands acct. both checks were clearly written with each name and acct # on them. I can not be responsible for their mistake, they have hired collection cos. and when I explain the situation they just say well we are n't going to resume any collection from you, so they hire another XXXX. This is crazy, I told the gentleman last time he called that if Husbands card was over paid by law they were send overpayment to him. Then and only then did the phone calls stop, our bank has been contacted in this matter but does n't seem to want to help even thou they wrote the check. Do n't know what to do at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing this complaint against Experian because they are reporting information on a XXXX account # XXXX. They are reporting this account incorrectly and inaccurate they refuse to re dispute the account saying the creditor says they are reporting correctly the account. Experian is reporting the account as a business account when the account is being alleged by target as a personal. The first date of delinquency on the account on the letter directly from XXXX XXXX/XXXX/2009 which means the account is reporting past the FCRA allowed time. I need this account removed from my credit file 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 explanation
Consumer complaint received 2016-06-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Issue was not resolved, and collections companies ( XXXX and XXXX XXXX ) continue to show on my credit report. Are hospital bills allowed to show on a credit report? A law was recently passed to prohibit this practice.

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 2016-09-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While checking activity on my credit report with Experian I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" XXXX. XXXX makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, XXXX XXXX renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " XXXX '' ), or limited liability partnership ( an " XXXX '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, XXXX, or XXXX, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. XXXX XXXX ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. XXXX ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as XXXX and XXXX. How can XXXX XXXX XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX XXXX XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item 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 2015-07-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Experian Credit reporting agency signed me up for for " credit monitoring '' without my consent then refused to refund the charge. The business model they have employed does not rely on selling a service, it relies on consumer not reading the tiny declaimer at the bottom of a web site that that you think is verifying identity, but unknown to the consumer they are being " subscribed ''. This may or may not be Fraudulent by the letter of the law but is CERTAINLY fraudulent by the spirit of the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed the account as it was a product of identity theft only for it to be verified repeatedly. This was a lease for an apartment I never lived at.

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 2020-12-22
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
all XXXX credit agencies have me reported as deceased.do n't know how long it has been on my report.i recently applied for credit report and discovered why my cards are being canceled.i keep getting the run around.i want to know who, why, when and what information was reported and why it was n't verified with vital/records, social security administration, employment or insurance dept.this is a headache, lots of phone calls, writing letters/stamps, time consuming and getting them to understand after repeating the same thing over and over.my main complaint is why was n't it investigated before sending to credit bureau and who regulates procedures/policies for credit agencies to follow before entering information on citizens record,

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 2016-12-16
Company: V and H Portfolio
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My name is XXXX XXXX, and in 2008 I purchased a 2008 XXXX XXXX XXXX pickup truck. The company approved me for a loan to get the pickup ( the company is in Texas ). Yesterday, a collections company called me, and a very demanding woman told me to pay her a loan that I owe her for XXXX more [ XXXX ], I think its perfect I pay them that amount. [ XXXX ] Please, make them pay me the available credit of {$18000.00} more. [ XXXX ] If they engage in vandalism and steal from everybody, they should pay that loan that they stole from me in credit ... [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attached proof that i have requested that XXXX XXXX XXXX XXXX provide information to me that this is in fact my debt. I have not received a response. I have contacted them via certified mail. Attached you will find the original letter asking for the debt verification and the certified mail receipt. I would like this information removed from any and all credit bureau agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Eleven years ago, I had XXXX XXXX which turn into a nightmare. XXXX. XXXX XXXX six month late. I lost my car, my job, my apartment and m y car was repossess. I turn it in.I sing documents. However, my credit report says that this lean was settle. But my credit is still showing. This is preventing me from getting a job. 
I presently lost the opportunity to get a job because this record from eleven years past was still on my credit report. There is not name of company to contact, no information. I ask a legal firm to help me, they assure me that without the proper information they can not help me. I need my credit clear so I can move on with my live. 
Page no. XXXX and XXXX are the one in question. 
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 2016-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. LENDER FAILED TO NOTIFY US-I XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, Experian or XXXX ) this action might constitute fraud under both Federal and State Laws XXXX corrected error but not EXPERIAN OR 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 2015-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like to continue my fight against Transunion reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from them. This is not fair. When someone requests all descriptions and procedures they should be noted and supplied, that is according to FCRA guidelines. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report XXXX. Please. I have always held XXXX XXXX Loan and you can check my report and see that it is with, and only with, XXXX XXXX XXXX. That is a GOVERNMENT AGENCY! Not XXXX! This may be an account held by another student in my building. I am not sure, but I dispute it and ask it to be deleted. It is Old and Not relevant to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have mixed files on my credit report. 
1 ) XXXX 2 ) Bankruptcy 3 ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my 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 2015-10-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
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 WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL 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 non-monetary relief
Consumer complaint received 2015-10-22
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice of intent to collect a debt from BSI Financial Services and when I mailed my dispute along with my debt validation, and qualified written request they refused to comply. They keep sending me payoff letters stating they are attempting to collect a debt. I requested them to validate the debt which they have n't done. They have only responded with letters stating they are attempting to collect a debt. I have attached copies of the letters sent to their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation