BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian keep reporting my XXXX XXXX XXXX account as : '' Paid, Closed. {$4000.00} written off. '' This information is incorrect and would like for them to correct this information. XXXX XXXX XXXX has written Experian and asked for this credit information be corrected. XXXX XXXX XXXX has not issued a XXXX from to be for the amount claimed to be " written off '' none of the balance was written off. I have payment records to indicate that the account was paid. we have been trying to get this information correct for 2 years. Experian refuses to investigate they just keep sending us the same credit report showing the information as updated. Nothing has been updated, Experian crazy and lazy when it come to making corrections. They have no reason to correct anyone 's report because they are not getting paid to correct anything. They make money when they sell bad reports. Experian could care less about consumer 's, they like to blow smoke and claim they care. Please force Experian to do the right thing whatever that is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
COMPLAINT : EXPERIAN : XXXX : XXXX : VS XXXX 1. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND XXXX IN CAL XXXX IN XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE XXXX PEOPLE IN XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?

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 2016-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Bank XXXX XXXX XXXX offered me a XXXX credit card after financing a vehicle on XXXX of XXXX. I was told by XXXX Bank XXXX XXXX XXXX customer service that since I had been approved for the loan a hard inquiry would not be run on my credit when applying for the XXXX credit card. A hard inquiry was placed on my credit on XXXX XXXX XXXX. I have contacted XXXX Bank XXXX XXXX XXXX multiple times about the removal of the hard inquiry. I was promised it would be removed. Today I was finally told it would not be removed.

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 2016-03-04
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The XXXX XXXX account was disputed, and Experian shows a cut off deletion date of XXXX XXXX. XXXX XXXX shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Experian did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the XXXX rule applies.

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 2015-09-15
Company: Statebridge Company
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX I have been trying to pay my mortgage to Statebridge Company, LLC and trying to find out about the unexplained mortgage increase plus an extra {$27.00} charge no one can explain. I have called several time over the past few days and no one answers the phone and the general mail box is full ( XXXX ) and can not take messages and I get disconnected. I have gone through their employee directory and dialed every extension and no one answers the phone and each voice mail states that if you leave multiple messages that will delay the call back time. My mortgage payment for the month on XXXX still has not been applied to my account and I ca n't get hold of anyone to resolve the issue and get my payments applied to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
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:
I used lending XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application! 
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.

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 2016-07-18
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 am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Experian verifies the debt sure the have my ss # and address that does not mean they can report an old 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 non-monetary relief
Consumer complaint received 2015-07-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed with XXXX and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with Experian but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: OK
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:
FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/XXXX I have disputed this account with XXXX, XXXX, XXXX, and experian has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The FCT opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then XXXX, XXXX and Experian are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/XXXX to validate and provided me with documents for they have had plenty of time to have this proof on hand.

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 2021-11-25
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I purchased a watch from XXXX. The item was sent with signature required delivery but was never delivered to me and no signature was obtained. I tried multiple times to dispute with XXXX but was not getting an answer. I disputed the amount with PayPal, but they did not properly review the evidence and denied my case. I had to further pursue action by disputing the amount with my credit card. They also falsely denied my claim and recharged my credit card on XX/XX/2021. PayPal has received the money from my credit card. The seller eventually admitted the mistake on XX/XX/XXXX and tried to refund me but PayPal still had my chargeback open. On XX/XX/XXXX, PayPal also deducted the amount from the seller ( I thought this was the seller refunding me ) on transaction XXXX. As of this moment, PayPal has both my money and deducted the amount from the seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There are inquiry 's on my from all from 2014 that do n't belong to me as someone posing as me tried to obtain credit, after doing an online dispute within minutes they came back verified so there could n't have been an investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and fraudulently obtained a bogus credit card. This started in XXXX XXXX 2015. I became aware of this when XXXX XXXX in XXXX, XXXX contacted me of this illegal activity. I reported this to the XXXX Police Dept in XXXX Case # XXXX with XXXX XXXX XXXX conducting the investigation.They started a investigation along with XXXX XXXX and XXXX XXXX in XXXX, XXXX who then turned it over to XXXX XXXX XXXX who have closed the case. 
Many outstanding charges started mounting up on my credit causing my credit score to start dropping. 
I lost my husband last month and I need for someone to correct these errors. I am a victim who is XXXX old that needs HELP!! 
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
Consumer complaint received 2015-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX has fraudulently added an additional account with XXXX, instead of correcting the account that was charged off and closed prior to filing Chapter XXXX in XXXX 2015. I want the XXXX account that was added with ill intent deleted. I want the 0ther account to show no balance. No payment or balance history past the filing date. The date of Major Delinquency is XXXX. All this needs to be corrected XXXX accounts in violation of FDPCA and FCRA deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the issue but Experian decided to remove the account without initiating a fraud alert. Issue : an account under a collector showed on my report. I contacted them and my social number didnt match with the name they had in file. The company who hired the collector, was closed and the owner is currently facing a civil action by SEC due to XXXX of dollars in frauds. They stole my social security number. Their company address is the address that appears under my social security number for the Experian collector account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent Experian information from several previous credit report indicating how XXXX XXXX, XXXX XXXX, XXXX, XXXX have errors on report. I sent statements from the website for XXXX, Prior reports for charge off that were modified and verified as correct by XXXX XXXX and XXXX XXXX, and copies of checks for XXXX and statements from XXXX website. Instead of correcting or deleting items that obviously are being misrepresented they sent me a report file stating " Unfortunately, we aree unable to add credit information into your personal credit report. We did not add data from private parties since we would be unable to verify or maintain the data. '' Yet they add data from furnishers that they do not verify as being correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted the credit bureau to let them know that my credit had been ran without my knowledge or permission. I was told to contact each company to dispute these actions. I did that with no response or action.

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 2016-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to Experian and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX BANK XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$460.00} XXXX BANK Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$670.00} XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payment {$7300.00} XXXX XXXX XXXX Student XXXX XXXX, XXXX Closed XXXX Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}

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 2022-10-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As per our mortgage company XXXX request, I will send over the XXXX completed bank statements with no wipeout proving we had been made payment the only XXXX missing payment was on our mortgage transferred on XX/XX/2022. We are still making monthly payments to our lender. 
Our Note was transferred twice in 60 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: MI
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:
How do I get Experian to answer 2 very simple questions. In a previous complaint # XXXX, I asked for the 2nd time for Experian to provide me with : " 1. What date did Experian receive an AUD from XXXX for XXXX, XXXX  for an account in my name? 
2. What date did Experian update my Credit report with the information they received from XXXX in XX/XX/2022. 

Thats it, two simple questions which Experian seems afraid to answer.

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