BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Negative information should be removed after 7 years from the credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, IL XXXX is reporting information that is over 7 years old. I asked Equifax to find out the date when this debt was open and became due and they just ignored my question. I also asked Equifax not to put the date of birth or SS N on the reports they send to me because my mail has been stolen several times. They refuse to do so. Negative information that is over 7 years old should be removed from one 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am a XXXX single women living on a fixed income. 
I took out a title loan with Title MAX for {$3200.00} in XXXX of 2014. I understood that I would have a payment of {$410.00} each month until I reached the total {$3600.00} which was the loan plus interest. 
After XXXX payments of {$410.00} each month or {$3300.00} I still owed {$3200.00} of principle and another {$410.00} of interest. 
When I realized that the payments were only fees I asked the women at Title Max " do you expect me to pay this every month and not pay off the loan ever? If I had been told that I would have never taken the loan. " In the first week of XXXX I had an accident that totaled my car. Now Title MAX wants to keep {$3600.00} from my insurance settlement. Which means that I will have paid {$3700.00} for the loan which I had for less than a year. 
Now that I know how the loan was structured I have come to realize that Title MAX gave me the loan so they could get my car from me. 
Now since they are taking {$3600.00} from my settlement I will have only {$400.00} left and will not be able to replace my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian has engaged in illegal Identity Theft, Conversion and illegal debt collection actions with perpetrators XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Experian tampered with and manipulated my consumer report for several years in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Identity Theft Laws.

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 2016-10-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Today I was forced to purchase a report from experian in order to be able to dispute some accounts on my report. 
after obtaining the report that came with no number, I called the phone number on the report. 
after almost 20 minutes on hold, I was able to speak to a live person and was told that dispute department has shorter hours and I have to call back on Monday. 
The accounts being disputed has been removed from other reporting agencies, so far Experian refusing to remove them, based on dispute I submitted 4 months ago.

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 2017-03-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
To whom it may concern, I recently applied for credit with my bank and was declined because of a a low credit score. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suite to challenge the status quo of the following organization. These agencies consist of Experian, XXXX and XXXX. Please inform me about how I can pursue to challenge and correct this matter, 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 2015-08-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

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

Complaint:
There is a hard inquiry on my credit report that should not be there. I disputed the account with XXXX XXXX XXXX and they removed the account from all of my credit reports, but the inquiry is still there. I would like this inquiry removed since I did not open this account in the first place. I have attached the letter from 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 2015-04-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I subscribe to Experian 's Credit Monitoring Service. 
They send me ALERTS when things change as they relate to my credit score. 
I received an alert this month that said my Experian FICO credit score had changed. 
Upon logging into my Experian credit monitoring account it said that " my scorehad " dropped '' by XXXX points ''. Their service had previously alerted me that my score had increased in XXXX 2015 by XXXX points and increased again in XXXX 2015 by XXXX points. I was reasonably alarmed as to what was causing such a dramatic drop after two months of moderate increase and " NO changes to my credit profile at all, no new accounts or lines of credit, no missed payments etc ''. There is nothing at all that has occurred that could explain this. Their system asked if I would like to " order a report from all XXXX bureau 's '' which incurs an expense to me, but I did so to seek explanation for the sharp decline. Upon looking through all the reports thoroughly, there is NOTHING there that would explain it or indicate ANY reason for a decline. I called Experian spoke with a customer service rep ( XXXX ) and his manager ( XXXX ), neither of which could make any reasonable argument, make any sense or give clear explanation for the dramatic score decline. 
Also, XXXX and XXXX both maintain my high score at XXXX. So ... it is more than curious that Experian " the ones doing the monitoring - drastically cut the credit score, then send their consumer an alert to generate concern so that they buy a report so as to investigate '' and then consequently have no reasonable explanation for why such a dramatic decline too place. I can only speculate that this is part of their revenue generation algorithm. 
It raises serious concerns over the credibility of Experian 's score keeping policies and practices. They need to be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After XXXX XXXX XXXX put a collection notice on my credit report that did n't belong to me, I have submitted multiple disputes to get the incorrect information removed from my credit report and it was declined each time. Under the Fair Credit Reporting Act, Experian is responsible to remove any inaccurate information. After receiving another collection on my credit that was n't mine but tied directly to this incorrect information, I sent a certified letter to their XXXX, TX location asking for this to be addressed promptly and removed within 30 days before I pursue legal action as well as filing a federal complaint. Instead, all I got back was a letter saying this was " suspicious '' and would be ignored. I uploaded applicable documents on Sunday and called in yesterday to speak to someone. I asked multiple times to be transferred to a manager and was refused. At the end of the call, I reiterated this frustration and my intent to file a complaint and consult with a lawyer and was advised a manager would give me a call back. It has now been a full business day and I have yet to receive a call or know for sure that all the incorrect information has been removed from my credit report. This is of course ignoring the fact that I have asked for all communications to be done in writing as this has been 6+ months of trying to get this resolved.

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 2015-10-13
Company: Central Portfolio Control Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
got a phone call by a " debt collector '' claiming i owed {$370.00} from an unpaid loan that I never made. i requested proof of the debt and was sent the attached handwritten form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Under the Fair Credit Reporting Act, Experian must remove XXXX late pay status on my credit report as it has exceed 7+ years. Those are XXXX XXXX - 60 Day Late for XXXX XXXX account number ending # XXXX for XXXX XXXX ; XXXX XXXX Dept Store/XXXX XXXX - XXXX late for XXXX XXXX account # XXXX ; XXXX XXXX Bank - 30 Day late for XXXX XXXX account # *******************. My street address is XXXX XXXX XXXX, XXXX Ohio XXXX with SS # *********** and phone XXXX. I have repeatedly send correspondence over the past two year to both creditors and Experian who continues to ignore, send frivolous responses or works in collusion with each other to keep these deliquent status on my credit report -- I want them removed by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter dated XXXX XXXX, XXXX from a company called XXXX XXXX XXXX. They claim to represent Crown Asset Management LLC. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-22
Company: Northland Group Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, XXXX. began sending me this bill in approximately 2011. My husband has a mortgage with same. However, I have not ever, nor do I now have an account with XXXX XXXX. I have ignored the bill until news broke recently that the bank was opening credit cards in the names of people without their consent. 

That is when I realized I could possibly be one of the victims. 

To the best of my knowledge, this bill has now been turned over to Northland Group , Inc. and they are now still trying to collect an amount I do not owe. As well, it is now a blemish on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Zwicker & Associates ( XXXX ) has called me XXXX, telling me that I have outstanding XXXX XXXX credit card debt. This is NOT my debt. I shared basic info about myself ( address, last XXXX of social ) and they confirmed it is not my debt. But they continue to call. I am worried they will use my information to do more damage to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
According to XXXX XXXX ( per my pending complaint ) a ChexSystems score was used to close my account after it had been opened and set up ( approved by a Principal in the company ). I did not receive any notice from ChexSystems regarding a denial or was it clear to me that XXXX XXXX would use a third-pary reporting system without my knowledge. Additionally, the redress option that I was offered from ChexSystems was to order a report because I was denied credit. This is first time I 've even heard of this company as from my understanding the XXXX major credit bureaus determine credit scores. However, this is not the case. The issue I have with ChexSystems is that I was not informed that I was denied an account via XXXX XXXX because of a ChexSystems score. The report I received ( as the letter I uploaded ) indicates I have no history of " mishandled, reported for cause, and/or outstanding debts. '' Either the information that ChexSystems provided to XXXX XXXX was incorrect or there 's another scoring component. Additionally, the language used on the " Inquires Initiated by Consumer Action '' states that " These inquires can be viewed for ninety days up to three years. '' What is the criteria for that? Who determines how long they will stay on the report? Does this negatively affect your score? How can you know your score when the report does n't show it? These are all questions that have not been answered by ChexSystems. It is unfortunate that such an opaque process is used deny consumers the information they need to address an issue that is so clearly important ; understanding consumer reporting agencies and having access to redress issues that are vitally important to a consumer 's financial life.

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 2015-05-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i have submitted loan modification request with full package last XXXX 2014 and have been waiting for the result but the lender did not give me any result regarding approval or denial of the modification. I recently applied again for update status of my application and situation. The lender has sent me the notice of sale and they want to foreclose my house over the options of modification to keep my house. They told me they will not postpone the sale date to me and wish to move on with foreclosure even though they request additional documents and had submitted for review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Due to receiving adverse action, I requested a credit report via XXXX mail from Equifax in XX/XX/2015. I never heard a response from the company or received my report in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After a divorce, I was granted Innocent Spouse status from the IRS, and was separated from my ex-husband 's many tax liens. I saw liens back on my credit report ( my name is still on my ex 's house ), and I disputed XXXX times, providing documents showing my release from those liens from XXXX XXXX, the State of Ohio, and the IRS. Equifax apparently does n't accept proof from all taxing agencies that I am released from those liens, because after XXXX disputes, I keep getting the same response - " we have determined that these liens are yours ''. These liens are negatively affecting my credit score, and the other credit bureaus have not had a problem correcting this error. I need help getting this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Exquifax continues to verify. 
equifax mortgage service XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please see attached ID theft documentation which shows and supports the listed Inquires need to be removed as required by law within 4 business days of receipt. Also update Credit Acceptance Account Payment History to ALL Payments made on time since at no point was the account EVER XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
About a month ago, I changed the due date of my Discover card. I am enrolled in Discover 's automatic payment program, and on XXXX/XXXX/15, Discover scheduled the automatic payment of the {$3.00} minimum payment, which Discover showed cleared my bank. However, because apparently Discover decided to withdraw this payment XXXX days after the bill 's due date, they decided to announce a penalty increase of my interest rate, as well as threaten decrease in my " creditworthiness. '' Resultingly, they removed my promotional option to make no-fee 12-month 5 % APR balance transfers.

Company response to consumer: Closed with explanation