BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit Report score was not adjusted to represent items removed from credit report. In the XXXX XXXX I had XXXX negative accounts on my credit report and a score of XXXX. This XXXX XXXX XXXX accounts were removed and my score went up to XXXX. Several of the accounts removed were charged offs and foreclosures and my score only improved XXXX points. It appears that XXXX is not taking into account the delinquency reason/severity, such as removal of charge offs and judgements, in their calculations. Also, several companies that have negative information on my credit report do not properly reported the delinquency history of the account making it difficult to dispute an account. XXXX of the accounts is XXXX XXXX XXXX, which reported the account delinquent in the year XXXX. The account was opened in the XXXX XXXX. But no History appears for that year. Experian only allows to dispute an account once. After that XXXX time dispute the company makes it very difficult to dispute items. Experian does not have a contact email to write to them directly making it difficult to contact them. Phone calls are not the best method to contact a company since there is no paper trail to connect the customer with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX 2015, I submitted a dispute sheet to Experian with several items of disputes. On XXXX XXXX 2015, I received a letter from Experian claiming that they have determined that my disputes were not sent by me. The disputes have been tagged as " suspicious '' and " fraudulent ''. They furthermore claimed that they will not be initiating any further disputes based upon what they have determined as suspicious correspondence in regards to my initial disputes. The Experian letter disclosed a phone number to discuss the problem with a representative. I called Experian and spoke with a representative. This person echoed the verbiage in the letter that was sent to me and would not remove the red flag, thus denying me investigation of my disputes. The representative insisted that I give the dispute information over the phone. I refused to do so because I want a paper trail of my disputes. Subsequently, before I received the denial letter from the 1st disputes, I sent a 2nd dispute sheet on XXXX XXXX, 2015. According to Experian, any subsequent disputes will be discarded. I am attempting to improve my credit score. Several years ago, I was a victim of ID theft. There was a report filed with the XXXX XXXX Sheriffs. Since then I 've seen items that I 'm not familiar with, therefore I 'm exercising my right to dispute those items that I 'm not familiar with. Please enforce Experian to honor my disputes and investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, XXXX, the debt Collectors for XXXX XXXX XXXX XXXX ( XXXX  ), offered me a settlement in the amount of {$2600.00}. The terms were to be paid in the amount of {$290.00} monthly until paid as agreed. I made an initial payment on that same day via XXXX XXXX. I made other payments via my XXXX checking accountand the final payment of {$1700.00} on XX/XX/2022, via XXXX visa. The account has been paid as agreed. 

I contacted XXXX several days after my final payment to confirm that their system reflected that I had paid as agreed, but the system had not updated the current payment status. On XX/XX/2022, I disputed the inaccurate info on my credit report. Experian subsequently notified me on XX/XX/2022, that my dispute was completeyet, No changes had been made to the inaccurate information. To date, XXXX still has me owing them $ 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 2022-09-16
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector IC systems representing XXXX XXXX XXXX is saying i owe {$840.00}, on my XXXX credit report. I do not nor did i ever have an account with them, this person XXXX XXXX XXXX  name was on my credit report and she impersonating me and using my name. i have no debt with this company, and XXXX XXXX XXXXXXXX refuses to speak with me or XXXX to get this off my credit report. 
XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX The original creditor is XXXX XXXX XXXX. 
THis amount is not owed by me, i am a victim of fraud. The investigation by XXXX on XX/XX/2022 came back saying the disputed item is accurate and it is not. 
XXXX XXXX XXXXXXXX  on XXXX XXXX placed {$840.00} on my ( XXXX XXXX ) credit report. 
I want it taken off 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 2022-05-29
Company: Genesis FS Card Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent all of the credit bureaus letters about removing addresses and incorrect names and the still will not remove inaccurate information.

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 2022-05-29
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent all of the credit bureaus letters about removing addresses and incorrect names and the still will not remove inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
When a corporation, bank or any institute checks on a credit rating, and then denies one because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past XXXX years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. XXXX XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act.XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602.A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, a natural person without having any help by a third party am horrified that I have been requesting investigation results, audit trails, and information for years now, to validate the accuracy and validity of the alleged debts being reported on my credit file. I have sent certified letters requesting all information used to " verify '' with no response. I also had to send in letters and identification to validate my identity several times because they kept using the stall tactic that they could not validate my identity in spite of faxing and mailing my drivers license and social security card several times. Regarding the disputed items they are reporting, The Consumer Reporting Agency EQUIFAX has only told me they are verified, which they can not do as I am the only one that can verify them. Furthermore, EQUIFAX has been provided proof ( pictures of each account with all credit reporting agencies ) that they are reporting differently with each CRA, which means that they can NOT be accurate if there are discrepancies, yet they have not deleted them as the law requires. I am tired and suffering with their notations and games of them changing the information around instead of deleting as guaranteed by my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
my credit score has been XXXX for over a year and the past 7 months nothing has changed dramatically to warrant a NEW SCORE OF XXXX? Are you really doing this to me Experian? I am a member that looks and updates my report daily so this significant drop in my score needs to be explained .... NOTNING NEGATIVE HAS BEEN ADDED TO MY REPORT SO WHATS GOING ON WITH MY NEW SCORE THAT HAS DROPPED ME TO A MEDIUM RISK FROM A LOW RISK TO LENDERS AND WILL AFFECT MY LIFE IN A BAD WAY ... .I DONT DESRVE THIS XXXX ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Three weeks ago, I mailed Experian XXXX specific things that I believe are incorrect on my credit report and asked them to investigate. On Saturday, I received a response in the mail saying : " We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. 
... 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. '' This is ridiculous, because I included a copy of my drivers license in the mailed correspondence. I contacted Experian on the phone yesterday, and the representative could not access my information. She also could not allow me to verify my identity so that those items could be investigated. She only said that I could tell her on the phone what my issues were. 

My rights as a consumer are being violated. Experian should have removed the incorrect information from my report right away, and instead they are refusing to even investigate if it is correct. I sent my complaint in the mail because I wanted to use my own words to describe the issues and not have some random person on the phone use hers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting actXXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602.A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Have put XXXX on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years Consent to publish the description of what happened? Consent not provided Supporting documents

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 2022-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXX XXXX, Account Number : XXXX & Account Name : XXXX XXXX XXXX, Account NumberXXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
XXXX unwarranted charges were included in my XX/XX/XXXX.-XX/XX/XXXX 2015 Bank of America credit card statement : a {$31.00} late fee and a {$17.00} interest charge. A BofA representative, in a XXXX/XXXX/15 phone conversation, agreed to remove these charges which would be reflected in my next statement. 

In that BofA statement, received XXXX/XXXX/15, the {$31.00} charge was removed but not the {$17.00} charge. I again spoke to BofA this morning, XXXX/XXXX/15, and was told the {$17.00} would be removed from my account and be shown in the next statement. We shall see. 

Both charges were unwarranted and I have no idea what the {$17.00} charge is for. Bank of America has not acted in an ethical or honest business manner - which may be an oxymoron. Had I not diligently examined my statement, BofA would have benefited from the XXXX unjustified charges which is no doubt magnified by countless other unwarranted charges not disputed by those other clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute in regards to inaccurate information being reported in my credit file.

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 2022-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX, XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # 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 2015-11-23
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX representing Convergent Outsourcing called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
sent letters out to XXXX, experian, and XXXX. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account 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 non-monetary relief