BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX BANKRUTCY IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2015-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an open XXXX XXXX account listed on my credit file and I have never had a XXXX XXXX credit card ever. Please remove this mistake off of my credit file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: MD
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:
It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I contacted Experian and have sent countless of letters to have them delete innacurate and wrong addresses jobs and phone numbers from my persona credit report. It is a violation of the FCRA for them to just place and hold this information on my credit report especially when the other credit bureaus have removed them. The information is not correct and that is it!! I need the following information to be removed : was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 
Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 
Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX 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 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 2016-11-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was notified by the IRS that Beneficial Finance submitted a XXXX for the XXXX tax year for non payed debt charged off debt dating back to to XXXX. This resulting in taxes owed to the IRS for earned income from many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account # XXXX, has 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 non-monetary relief
Consumer complaint received 2016-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian, Over the past 3 years I have completed the required process of disputing information on my credit reports. XXXX XXXX and XXXX adequately investigated and updated and removed items in question. Experian for the past 3 years has either not responded, stated investigation complete and items remains with no explanation, Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account ( s ) I disputed, 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. Items well past statute of limitations have not been removed after multiple requests. I do not know what more I can do. I will be filing a complaint with my state attorney generals office as well as I will be retaining legal counsel on this matter if not resolved. Under federal law, credit reporting bureaus are required to conduct reasonable re investigations of complaints instead Experian does not investigate nor verify inaccuracies. I have had to pay their monthly fees consistently with them continuing to try and sell more products to me. I have sent these letter multiple times over the past 3 years. Most recent dispute letters and supporting information will be uploaded.

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 2016-09-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Called multiple times advising this is not my acct. we are getting ready to close on a house and this is holding us up.

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 2015-05-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all three credit agencies due to fraud as well as multiple incorrect entries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX bankruptcy 's on my report that are reporting inaccurate information. Both cases are showing a claim amount of XXXX and a liability amount of XXXX. I requested that Experain verify that information and report accurate records. Experian keeps reporting the same information without verifying that information with the credit agency. According to law they have 30 days to verify that information or removed it form my credit file. Secondly Experian keep sending out notices stating the investigation will take 60 days and thus far its been 6 months and Experian has verified nothing and still reporting inaccurate information

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 2016-12-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.

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 2017-02-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The NYS Department of Education has XXXX loans on my credit report. XXXX of the loans are correct and are mine but then the XXXX is for {$13000.00} and I never took out a student loan for {$13000.00}. And the XXXX loans I did receive were dismissed by the loan forgiveness program. The student loan for {$13000.00} is not mine and is on my 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 2015-07-06
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX ( a company ) at XXXX XXXX XXXX, XXXX MA XXXX. Phone XXXX. They checked my credit with Experian for the sole purpose of taking adverse action against me. They had no right and no approval on XXXX/XXXX/2014 to get information, and a few days later they used information to Justify my financial position to come after me in a lawsuit. I have opened a complaint with Experian as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX is not removing the XXXX XXXX Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Experian to delete this account ASAP.My cell phone number is 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 2016-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian, XXXX, and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.

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 2015-03-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Experian via certified mail. Experian refuses to honor my claim & the evidence submitted. Experian continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXX is not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXX is not my account please remove this from my credit report. 
3 ) The Department of XXXX XXXX XXXX XXXX XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
4 ) Navient # XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
5 ) XXXX XXXX # XXXX is not my account please remove this from my credit report. 
4 ) Diversified Consultants XXXX Is not my account ( s ), please delete them from my credit file I would also like for Experian to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : SSN # XXXX Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX and XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XX/XX/XXXX above account on XXXX report . After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and Transunion deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX and XXXX credit report above Late payment on XX/XX/XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
Due to consideration XXXX major agencies reported same account as a accordingly and due to FCRA I can request to removed that late payment above account your agency as well. 
Please remove that Late Payment as soon as possible your credit file. 
Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Identity theft : There are XXXX credit cards that were opened up in my name as a result of identity theft : XXXX is XXXX and the other is XXXX card : I contacted the credit reporting agency 's to report this fraud. I also contacted those XXXX stores. XXXX sent me a fraud investigation form which I filled out and sent back immediately and after there investigation it was proven that someone stole my identity and opened it fraudulantly. XXXX is still reporting on my credit report even though they were notified it was fraud and to remove it from my report. I have also contacted XXXX numerous times and requested the same form so an investigation can be done. I get nowhere with XXXX just the run around. I feel there is no proper investigation being done with these credit reporting agency 's and they just keep updating my report with this incorrect information which is affecting my score.

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 2016-11-28
Company: FRANKLIN FIRST FINANCIAL, LTD
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello i am writing to report Franklin first financial company. This company is unethical, unwilling and unresponsive with the loan process i am currently in. I am dealing with this company over the past six months and still we are unable to close a loan. I understand issues were involved on our part with the contractors initially however after all the paper work was submitted still no response still no answer. So in short this is what my family and i are going through. We are being swindle everyday with unrealistic dates, we appointed one person to handle calls and communication however when he calls his calls are either 1. ignored 2. send to voicemail 3.forward to a number that leads you to a number that does n't work. The mortgage bankers are very incapable in this company. They promised a 48-72 hour document review feedback however i have never received a feedback in this time period. These bankers are very slow they work reactive instead of proactive. The process has being so slow and exhausting that i had to submit documents not once or twice but three times. The major problem i have with these bankers are giving us false hopes, false dates, ignoring consumer telephone calls and other deceptive practices. When the compliance officer reached out to me it was the same thing they blamed us for not submitting documents on time however if they stood to there promise this would n't be a issue. Please help me understand why this company has to used deceptive practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-10-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Midland Funding LLC keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-03-07
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
When applying for a loan recently they discovered a had a derogatory delinquency on my report when I called experience they told me to work it out with the creditors who I know I never had an issue of any kind with. I tried to get to the bottom of this for days thinking someone was trying to steal my identity. I called the experience a few times and finally they told me they had merged my account with someone else 's ... ... sorry. I wanted them to not only fix that but all the names that had come up on my report including this other person and I would like a PIN number in order for anyone to access my report and I would like a copy of the new credit report sent to me email and postal mail. None and I mean NONE of these things has happened. Now I do n't know if this person is running around pretending to be me but the experience does not seem to be a bit concerned about this mistake and I am very upset and think I will need to get an attorney now.

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