BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I do not have the financial ability to be represented by an attorney. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me why is they are choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When trying to access an y credit score infor mation regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on   XXXX   website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I see  two accounts  are positively reporting with them so I know I have a file but every time I try to access my   XXXX   score on   XXXX   or on  XXXX  or discovers scorecard I get locked out I need to be able to access my free   XXXX    fico score  I have similar problems with  XXXX  however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since w e have reported that with the credit companies and an official change of address so I do n't understand what is locking me out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
I am aware that on  XXXX   XXXX ,  XXXX , and again on  XXXX   XXXX , TransUnion deleted everyone 's credit inquiries on their TransUnion credit report. Later in the year, they were added back to my credit report. I did not recieve a legally required written notic e five days  prior. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with  XXXX , a United States supervisor, on  XXXX   XXXX ,  XXXX  and while I had  XXXX  inquiry removed, I was told that the others were not impacted. I know this is not true. These inquiries being removed and then re-added has caused a hardship for me and has violated my rights. My goal in this complaint is that you can help force TransUnion to stop victimizing me. I am asking in resolution that my credit inquiries be removed permanently as violation took place when they were illegally added.     Thank you and have a blessed day.

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 2016-03-18
Company: Experian Information Solutions Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Experian reports credit scores way different to different lenders. This is causing me to not qualify for a lower interest rate. I subscribe to XXXX XXXX credit reporting plan and my score there is XXXX this puts me in the excellent category. It 's been that number for a year. I go for a car loan and XXXX XXXX tells me it is only XXXX causing me to pay way higher interest rates. I call Experian to find out why the agent will not even talk to me unless I pay {$35.00} to pull my report! When I complain he tells me I can go online and get it for {$7.00}. I go online, pay the XXXX and it says my score is XXXX. This is a scam and Is costing me and obviously money in higher interest payments. Experian needs to be investigated and fined. I also need to have them report my true score of XXXX as they report to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.

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 2016-09-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, I was advised today that Experican continues to report innacurate information on my reports that has already been disputed as follows : 1. Account Recovery Service, Balance {$780.00}. This is not my debt and the company has failed to provide proof of debt. This has been disputed in the past. This must be removed. 
2. Online Collections, Balance {$58.00}. This was never a debt. Just received a refund check from the original creditor ( SRP ) and an apology for the error ( see attached ). This must be removed. 
3. XXXX XXXX, Balance {$290.00}. This account has been disputed several times and removed in the past. XXXX XXXX has failed to respond to the CFPB as well. This must be removed. 
4. XXXX Bank. Balance {$12000.00}. This account was late in the past but the balance and status are not correct. The account is current in payment with a lower balance. This must be updated. 

Thank you for correcting these errors.

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 2017-05-16
Company: Credit Karma, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently brought a prior dispute to you because I had  3 collec tions on my report that had been on there for several years and I had re-established my credit to  XXXX . Well recently they decided to re-age these debts because they were all with the same debt collection agency but, you all wrote back to them and they were removed with the exception of one I believe they have brought back now, but m y credit score has  not changed at all. It has gone now and stayed down at  XXXX . Can you tell me why my  credit score di d n't change since this collection was removed and this new credit that was added to my credit should have been removed as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When trying to access any credit score information regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on  XXXX  website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   accounts are positively reporting with them so I know I have a file but every time I try to acce ss my   XXXX   score on  XXXX  or on  XXXX  or   XXXX   XXXX   I get locked out I need to be able to access my free  XXXX   fico sco re I have similar problems with equifax however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since we have  reported that with the credit companies and an official change of address so I do n't understand what is locking me out

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Have an open auto loan with my credit attached to it but none of my information. Do not have an open auto in 2011.

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 2016-08-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
experian report had me and son on the same report he had s.s.number with XXXX mine with XXXX. t been deny credit become of this.

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 2017-05-16
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At least  XXXX  credit burea u (  XXXX  ), has repor ted an outstanding debt that is not mine. The original creditor is  XXXX   XXXX . I have not been a customer of  XXXX   XXXX  's for over a decade. The company reporting the debt to the bur eau ( s ) is Focus Receivables Management.      In late  XXXX   XXXX , I spoke t o Focus Receivables Management. The  agent advised me to file a dispute with  XXXX   XXXX . She said she believed it may be for some one else with the same name as me.     I filed a dispute with  XXXX   XXXX  on  XXXX / XXXX / XXXX . I have attached the incident number. On  XXXX / XXXX / XXXX , I received a written notice stating they will remove the INQUIRY from my credit report. I was confused by this, as it is not listed as an inquiry on my   XXXX   report. It is listed as an unpaid collection debt.     When I filed a dispute with  XXXX , I received a notice stating that the debt was verified belonging to me. I filed this dispute on  XXXX / XXXX / XXXX . I have attached confirmation number for this too.     Additional Information : The amount owed is {$850.00}. The date reported was  XXXX / XXXX / XXXX . The date of first delinquency was  XXXX / XXXX / XXXX . The date assigned was  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried for a period of one year to have the loan modified due to falling behind during covid. They have asked for documents, and I have always provided what they ask for they send a letter saying they have everything needed and process the modification, then 2 days later I receive another notice stating they need something else. This latest request is that I provide proof of receiving XXXX  related emergency food stamps. i have provided an account printout showing the deposits, which has been denied. they want a letter stating this extra amount was awarded to me. there is no such letter to send. i have sent a letter documenting my regular amount. but have no way to prove the extra being given. meanwhile my house is due to be foreclosed on in two weeks and nothing i send is acceptable, so the modification is unable to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I attempted to close m y Wells Fargo checki ng account on  XXXX   XXXX ,    2017, in  writing, via their online messaging system. I received a reply stating my account was on hold and I would need to call Customer Service to cancel the account. I called  Wells Fargo  Customer Service on  XXXX   XXXX ,    2017,   XXXX  CDT to close the account and was told by Representative   XXXX    XXXX  ext  XXXX  that I would have to go into a  Wells Fargo Branch to  close the account.     I refuse to go into a  Wells Fargo Branch, d ue to the unprofessional interaction I had a month ago with the Teller  Manager  at th e Wells Fargo Branc  h    XXXX   XXXX    XXXX   XXXX , TX  XXXX  . Wells Fargo has  also begun charging a $   XXXX   monthly fee which I refuse to pay going forward. The fee was assessed on  XXXX   XXXX ,  2017, I initial ly requested this account closed on  XXXX   XXXX ,  2017.           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 monetary relief
Consumer complaint received 2021-12-30
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A individual contacted me and pretended to build a relationship with me for a whole year. He gave me a sob story telling me that his mom had passed away he went to XXXX he was stuck over in XXXX if I would help him to open up an account to provide his checks to go through so that he can get back. Come to find out that the checks were fraudulent after the fact that they wanted a refund of the {$4200.00}.

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 explanation
Consumer complaint received 2017-02-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Upon graduating, I notified Wells Fargo to initiate repayment. {$55000.00} in private student loans became over {$75000.00} instantly as they added interest all the way back to day one. I did not know that this was going to happen. My payments between private and federal loans are {$1200.00} per month. I earned a XXXX degree in XXXX and bring home $ XXXX- {$800.00} per week. I can not afford to support myself in these circumstances.

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 2017-05-16
Company: EQUIFAX, INC.
State: FL
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:
XXXX   XXXX     2017, My  mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 business days for the investigation to be completed.       XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would ta ke 60+  days for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still be  60-90  days before my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX   XXXX     2017,  My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was   XXXX    day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an   XXXX   XXXX   XXXX   so I was n't able to call right away.       XX/XX/XXXX   contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was  XXXX  days behind. The cust service woman who spoke with me told me that it would tak e 10 b usiness days for the investigation to be completed.       XX/XX/XXXX   I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would take  60+ d ays for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would s  till be 60-90 days before my credit report.
In the mean time my application for my first h  ome will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved 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 2021-02-19
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.

Company response to consumer: Closed with explanation