BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the disposition of the date closed on XXXX accounts on my Experian Credit Report. These accounts were with XXXX XXXX XXXX XXXX, and show the date " negative '' as of XXXX, but they were closed on XXXX/XXXX/13. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me of such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown with a " negative '' over 1.5 years later. Experian has claimed these items to be " verified '', but they are inaccurate.

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 2016-07-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian, In 2011 we filed BK and ever sence we have had very good credit but experian keeps filing on record what was filed in 2011 you can pull my report and see what they are doing, if this is the way that credit companys are allowed to operate than we do n't need federal laws concerning BK Heres a example of there report, Serious Delinquency and Public record or collection filed, proportion of balance to high credit on bank revoling or all revoling accoumts, number of accounts with delinquency too many inquires in last 12 months, note in the last 12 months I have made only XXXX requests and other requests were just made by companys for there info, the credit beaures have a obligation to assist people not ignoring what is sent to them they shoud be questing items when filed or advise people what is being sent, when BK is filed that should clear all back records on file and after 7 years record should be clean they are ruining a person credit by what they are doing. 
XXXX XXXXXXXXXXXX

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 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My personal information was used by someone else. I filed a police report and would like to know how I can get it off, and if anything else was used without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report an item that was not validated and refuses to remove : XXXX - Experian - Revolving - XXXX XX/XX/XXXX XX/XX/XXXX - {$1800.00} - Due {$0.00} - Late Over 120 Days {$580.00} - CONSUMER STATEMENT : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. ACCOUNT DELINQUENT 150 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX CHARGE OFF ACCOUNT CLOSED BY CREDIT GRANTOR LAST PAID : XX/XX/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 2023-01-31
Company: EQUIFAX, INC.
State: CO
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:
I have been trying to rent an apartment, but the leasing office is unable to acquire my credit report. I tried accessing my credit report in MyEquifax.com and received error code XXXX. It also says that the last time my credit report was generated, was in XXXX. When trying to access my account again, it gave me error code NH XXXX with 3 different representatives, and 1 supervisor on XX/XX/XXXX. The first call the said they escalated the case, and that they would send me a physical copy of the report. The second time I called, a couple hours later, the agent said that they could not send my report because of the discrepancies. So now, they are contradicting themselves. They said that they dont see an issue with my credit report in their end. They said there were discrepancies with my personal information. They said i would have to fax supporting documents to get it solved. 
Submitted online disputes on Myequifax.com, and uploaded supporting documents. 
Submitted supporting documents via fax requested by Equifax on XX/XX/XXXX Spoke with 1 representative and 1 supervisor on XX/XX/XXXX - not able to tell me if documents were received. They told me to call again after 5 days to see if documents were already received. And to wait 5 more days after that for a resolution. Even though I dont have time, because the leasing office is holding my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have discovered several accounts that did not belong to me and I would like them removed from my report.

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 2016-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.

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 2015-12-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The credit limit and and credit balance is being reported incorrectly from all XXXX credit bureaus for my XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never done any type of business with XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.

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 2015-11-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Information that should have been added to my credit profile as i have requested was not and it should be added in order to show positive history and payments just as creditors have the right to report it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed 3 separate claims with Capital One on XX/XX/22 - XXXX, XXXX, XXXX. There had been over XXXX fraudulent charges on my checking account of about {$3000.00} over the course of 3 weeks in online transactions at XXXX, XXXX and XXXX, and XXXX. In under XXXX hours, I was notified by Capital One that my claims were denied and my disputes were closed. They told me my claims were closed because they did not follow a pattern of fraud because the charges took place at stores I personally and regularly shop at. I have evidence that my debit card information was stolen and have turned this information over to the police in XXXX  XXXX and filed a police report - Case # XXXX. Capital One has done absolutely nothing to help me or protect me as their financial customer of over two decades. I have also reached out individually to XXXX, XXXX and XXXX, and XXXX and received no help whatsoever from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My private student loans that are currently in repayment with Discover Student Loans have an astronomical interest rate and minimum payment. After having a huge mishap on their part because they were unable to inform me that I had missed a payment, decided to refinance with another loan carrier. In this process, I needed to contact Discover to print me a new statement that showed I was current with my payments and had no balance left over for the month so that I could send my completed application to the bank I was refinancing with. After telling me that they would send the new statement, I waited five days and never received it. They " sent me another '' statement. Another three days and never received it. I was then told that they could not even make me a new statement hat showed this information and that they would fax a lenders letter that showed the information I needed. I waited four days for that fax and called everyday. Those four phone calls ended with " it will be sent in the next 24 hours. '' Finally on day 4, I spoke to a supervisor who actively attempted to fax the letter himself. Of course, whether it was my fax machine or theirs, I 'll never know, but the fax failed. They then overnighted me the letter. I now have the letter, however the exact information that I was clear about needing is not on the letter. They are now overnighting me a letter that they claim has the information I need. Regardless, because this whole process has now taken almost a month, I have, once again, paid my minimum payment which is XXXX % my monthly income as a teacher. All I needed was up-to-date information about my loans and all the money I have been paying them. A month to receive that information is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Previously deleted information from XXXX XXXX XXXX on Experian ; recent balance and payments incorrect on XXXX, XXXX XXXX XXXX ; Protect MY ID, a subsiduary of Experian Consumer Services had my wrong birth date, incorrect city where I was born, and mother 's maiden name. Reference numbers for the complaints : XXXX ( wrong birth date ) ; XXXX ( system would not take my password or username because it converted information to lower case ) ; XXXX ( incorrect city where I was born ) ; I could not ever get into my ProtectMyID account after speaking with XXXX ( XXXX ) Experian and its ' division have improperly processed my credit information and causing my credit score to be much lower than it should be. XXXX kept deleted items off credit report ; however, Experian adds them back on. Experian employees always give me a very difficult time when I attempt to correct these errors. I spoke with the ProtectMyID on today, XXXX XXXX, 2016, requesting a review of these errors and for Experian to contact me as soon as possible.

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 2016-01-12
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
regarding case XXXX Experian did nothing to fix this issue. They refuse to properly update the information and claim it was already verified. Maybe they should verify with the XXXX Bankruptcy court! The XXXX other crediting reporting agencies XXXX are reporting it correctly as discharged in XXXX. This debt was discharged in Chapter XXXX BK. It would be illegal for them to claim they sold the debt or transfer it as Experians report reflects. There report shows it as a collectible debt! It should read discharged in Bankruptcy. By them not reporting it properly I was denied credit because they used Experian to pull their data. My Experian score is XXXX lower then both XXXX because of Experians false reporting. Experian is in violation of the FDCPA by misreporting and refusing to accurately verify the data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I paid for a monitoring service with Experian at Experian.com 3 months ago and immediately l discovered an unknown entry. It has been 3 months and my case has yet to be resolved. I am requesting your help to have the following unknown entry deleted. I have contacted the original creditor but they cant help me because the account is not tied to my personal information XXXX XXXX XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}.

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

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

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 2016-03-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX accounts that are reporting incorrectly. XXXX XXXX this was shown as included in bankruptcy when I told them I do n't have a bankruptcy on my report that put it on as serious late payment history that is also wrong. 
XXXX I also have a XXXX county I called they told me I have to dispute it they refuse to investigate because if they did they would see its wrong they have done nothing and you company dose noting as well I have done this now 15 times and you have done nothing for me whatsoever

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 2017-02-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need EXPERIAN to present a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2016-09-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Wrong names and initials, wrong address listed, accounts listed not mine some over seven years, wrong employers listed. Accounts I do currently hold not listed. Current employer not listed.

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