BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
please find attached the FTC and the dispute letter, for which i have been sending to XXXX credit agencies for many times and they have not been able to resolve this issue, i am a victim if ID theft and have the police report attached to mu documents. 
XXXX accounts are not authorized and need to be removed from my records ( attached dispute 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 2016-09-22
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.

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 2016-01-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is currently reporting an account that the company has removed. XXXX and XXXX have stopped reporting the account 2 months ago when the company originally requested. the company is XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are several things wrong in my credit reports but there are 2 that bother me the most. The first one is that I XXXX my daughter XXXX XXXX XXXX after her biological father gave up his rights. My ex wife divorced me and I got stuck paying what should have been his child support to pay. I understand I am responsible for my XXXX  daughter but I disagree with reporting my child support payments to the credit bureau. That is personal information and is not a loan and people mistakingly misjudge my character when I am the one that stepped up and took responsibility.

Also, I am an XXXX XXXX  veteran having served 8 years in the XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I recently had to file for chapter XXXX   bankruptcy because there is so much stuff on my credit reports that is over 7 years old that is confusing when I go to buy a car or apply for a mortgage. American consumers are not getting the protection against financial powerhouses that they deserve. The average American cant afford to hire an attorney and get incorrect credit issues removed. There should be more in favor of the consumer instead of the incorrect information that big data wants to keep on us. Give consumers a break and crack down on XXXX, Transunion and XXXX. I had my bankruptcy discharge and it says it wont fall off until XX/XX/XXXX. I am not a billion dollar corporation just a hard working American. 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 2022-11-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 I was involved in a car accident. Hospital billing department was legally notified that my case was in litigation. They proceeded to forward my bill to Wakefield. Wakefield proceeded to report my bill as collections to all three credit bureaus with out validating the bill with first. They were also legally INFORMED multiple times that my case was in litigation. Called me multiple times, have sent multiple notices XXXX with NO ITEMIZATION and WITH THE WRONG PROVIDER after requesting a itemized bill and validation, including but limited too what was shared with them as I feared my HIPPA RIGHTS might have beeb violated. This company continues to violate my rights according to The federal Fair Debt Collection Practices Act ( FDCPA ), which protects debtors from harassment, threats, and unfair means of debt collection by debt collectors. This law applies to WAKEFIELD and ASSOCIATES. They continue to refresh the debt on all of my credit reports causing grave damage to my credit and quality of Iife. The unwillingness to temporarily remove the tradelines in question while being in litigation again highlights how aggressive, brazen, and irresponsible this company handles consumer information. WAKEFIELD is not above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In the year XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.

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 2015-07-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In 2007 While I was being treated for XXXX XXXX My Identity was stolen and my credit cards were stolen I reported it to all of my creditors as soon as I became aware of what was going on However none of the creditors were willing to help. Instead they reported and sold the accounts to collection agency 's. The collection agency 's have seine sold the paper to other collection agency 's. I disputed the the debts with the credit reporting agency many times the dates are inaccurate the accounts are over seven years old They were caused by Identity Theft and I did not benefit in any way. I locked my credit report for several years I have been unable to resolve the issue with the credit reporting agency. Mean while I have been harassed and threatened by the collection agency 's I am on SS XXXX and have been for over seven years. This has caused me great hardship as I can not even qualify for an apartment to live in. All of my Student loans have been discharged yet the reporting agency continues to report them as in collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am the co-signer on a loan for my niece. She has stopped making the payments recently. They have started calling me sometimes 12-15 times a day, despite me contacting them repeatedly and explaining to them that I am ill on XXXX. I have on three occasions, given them the name and address of the bar my niece co-owns in Florida and have asked them to contact her for the money. She clearly HAS IT!!!! On the last occasion, the gentleman took my information to apply for hardship. I made a {$25.00} payment but the calling has gotten worse. Neither my niece nor my sister will help me out. I am SO STRESSED and so angry at my own family for this but there is nothing I can do. I want Navient to go after my niece for the money and leave me in peace. It is having an effect on my ill health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Speedy Cash # XXXX is reporting a {$1200.00} debt on my credit report. I never had a loan with this company before. I tried to resolve this matter but can not get the help and cooperation I need. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Pendrick Capital Partners Holding, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ref # : XXXX has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name XXXX XXXX XXXX. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " XXXX XXXX Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 
As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that XXXX recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account in question, XXXX XXXX XXXX incorrect information on my report on XXXX different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.

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 2015-11-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was turned down for a mortgage due to information in my XXXX credit report. I have disputed a XXXX account several times, and they refuse to correct the information. They have also locked me out of the website and will not allow me to file a dispute online, nor will they provide me with a free credit report. XXXX will not allow me to access my report online unless I pay for the report using one of their services. The XXXX account XXXX was charged off in XX/XX/XXXX. XXXX is now reporting the account as having been charged off in XX/XX/XXXX. They have illegally re-aged the account. The are also incorrectly reporting the first date of delinquency ( should be XX/XX/XXXX ). Due to this incorrect information, I was turned down for a mortgage. The account needs to be deleted because they have not been able to verify or correct the information and have since illegally re-aged the account which resulted in my inability to obtain a mortgage. I also need to have full access to my credit report. I have attached supporting documentation from a XXXX report and also from a XXXX statement dated XX/XX/XXXX. The dates and balance on the XXXX account as reported by XXXX are all incorrect. I either the entire account to be deleted since they have not been able to verify or report correct information. Their false reporting has damaged my ability to gain credit. XXXX has ignored previous requests and locked me out of the website. 

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 explanation
Consumer complaint received 2015-08-16
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We pay bi-monthly payments. This comes out to XXXX payments per year and the equivalent of XXXX payments per year of full principle. We have been doing this since XX/XX/XXXX. Yet as of today Wells Fargo has not applied one completely principal payment. We did have a situation in XX/XX/XXXX where we switched our personal checking accounts to a different institution, thus delaying a payment by XXXX days. I know by doing this we may have offset the full principal payment schedule, however this happened in XX/XX/XXXX and here we are in XX/XX/XXXX and Wells Fargo still has not applied one of our payments as " principle only! '' It does not make sense. I called Wells Fargo and they stated that our first principle only payment will not occur until XX/XX/XXXX. How is it possible that it takes from XX/XX/XXXX till XX/XX/XXXX to make a principal only payment? It should be one every XXXX months! The operator could not explain. Can u help??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: EQUIFAX, INC.
State: GA
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:
Since XX/XX/XXXX, I have been disputing this XXXX XXXX XXXX  for this Medical Bill from XXXX Hospital on my Equifax Credit Report, and Equifax always came back with account verified. I also disputed this in XXXX and today XX/XX/XXXX this account came back verified. I am baffled because I provided documentation to Equifax that shows that I do not owe this account. Furthermore, I had file a complaint to CFBP concerning this account and I received response along with a letter from this creditor that states that they sent the information to have this account deleted from all credit bureau agencies. I received confirmation that this account was deleted except from Equifax that came back today with the results of my investigation that says this account was verified. I am frustrated with the incompetence of the ones that works in the dispute department at Equifax because they are not doing there job accurately and efficiently. Please delete this incorrect information for the thousands times off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.

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 2017-05-01
Company: Receivables Management Partners, LLC
State: PA
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:
XXXX   XXXX   sent information in  XXXX  about unpaid  XXXX  I sent them a check that same month, They never cased the check and I was never notified that {$63.00} was still due on the account, this company already was not paid by my insurance company due to them submitting the claim to the wrong department and now the submit a  XXXX  collection to my credit report using a credit collection agency and then did not use the correct address.     I called collection agency and they also sent the notices with incomplete address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief