BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian has told me that they have investigated an account to XXXX XXXX XXXX. After speaking to the original creditor, XXXX XXXX XXXX had the credit bureaus remove the false information from my credit report. Experian has refused to remove this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This complaint pertains to my Experian credit report only. The information from the other credit bureaus has been removed. 
The creditor XXXX XXXX, Account # XXXX has refused to correct dates of delinquency or inclusion dates under the Chapter XXXX that I filed on XXXX/XXXX/XXXX. Instead they keep using the date XXXX XXXX. The date XXXX uses on my credit report of XXXX XXXX is causing the negative information to remain on my credit report for XXXX additional years. Also archived reports from Experian show that I had delinquencies in XXXX ( which I included in my disputes ). The negative information should be removed this year. Instead it is showing that it this account will continue on record until XXXX XXXX. 
More than 7 years have passed since my filing of Chapter XXXX and original delinquencies, therefore I feel it only fair that they stop reporting the wrong negative information on my credit report ( Experian ). I have sent in many complaints to Experian only to have nothing done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I opened a new credit account with XXXX XXXX XXXX. Never used the card but did pay the XXXX dollar activation fee. 4 months later I saw fraudulent charges at XXXX in California. I called the credit card company and reported fraud. They closed the account and issued a new account to me. I was told it could take 60 days to investigate. XXXX was reported to them XXXX XXXX 2014 for charges made XXXX XXXX and XXXX 2014. Received letter from their fraud investigation department stating no new charges on account ending in XXXX. This is not my account. I have spent hours upon hours trying to resolve on the phone.. No resolution yet I keep getting late fees interest and the fraud charges are still on the account. They have now reported me to the credit agencies as a no pay on the credit card. The new account they issued I also closed due to their lack of resolution in the fraud case. Pleas advise how to remove from my credit report. They are idiots.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This was disputed/updated. The update forward to me from Experian was dated XX/XX/2016 : and reads in Comments : ( Never late paid as Agreed ) - from the bank investigation : XXXX Bank that replied to my dispute made. However the updated Experian report today ( XX/XX/2016 ) still shows ( 2 ) periods of 30 days late reporting with the Comments : never late paid as agreed. Additionally it still shows a balance that was not addressed also. The Balance of {$110.00} was a refund ( given ) transaction processed by XXXX of {$99.00}. At this time the bank have place it back on my credit report plus interest. See the e-mail from XXXX uploaded as documentation of the process from XXXX/XXXX/2016. XXXX Bank gave the credit for the {$99.00}, as well forward me the overage ( check ) payment of {$19.00} when it settled. From dispute of late pays I made they now claim that they never received the Refund Transaction from XXXX placing this back on my Experian 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 2017-01-03
Company: Statebridge Company
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I experienced job loss, divorce, and a death in my family that contributed to my hardship, and the necessity of requesting a mortgage modification. I contacted a HUD approved counseling agency to help facilitate the mortgage modification process and at this point we are at a stalemate with StateBridge mortgage loan servicing company. My mortgage was sold to StateBridge over XXXX year ago, I have been in the process of trying to modify my mortgage throughout this entire time. Before StateBridge, purchased my mortgage it was with XXXX mortgage loan servicing company, we were at the final stages of reaching a modification when my mortgage was sold to StateBridge. My taxes and insurance were escrowed with XXXX and It was my understanding that the same would be true when StateBridge started servicing my mortgage. I had homeowner 's insurance through XXXX and StateBridge put forced-placed insurance on my property during the time my policy was still active with XXXX. My XXXX policy was not paid through escrow as a result my policy lapsed. StateBridge is requesting that I reinstate my homeowner 's insurance policy to approve my mortgage modification, however XXXX will not reinstate the policy without proof of insurance from StateBridge. StateBridge will not provide proof of insurance for the force placed insurance. We are at a complete stalemate at this point. StateBridge has made several errors reporting this loan to the credit bureaus and were forced to delete this loan from my credit report. It is my belief that this loan is predatory in nature, and I am requesting a fair loan modification based on the low loan balance, high interest rate, and the value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Based on the Fair Credit Reporting Act, Section 1681c as it relates to dismissed or withdrawn bankruptcies, the law clearly states from " date of adjudication '' or " date of order for relief ''. 
A bankruptcy dismissed or withdrawn no longer exists and the case filed was never adjudicated. Accordingly, Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act states the bankruptcy reference must be deleted from my credit report. I referenced the law in my letter to the credit bureau and they have refused to remove items from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent multiple letters to Experian with regards to the XXXX that is reporting on my credit file. I have informed them on a number occasions that this is not my account. But have not had any success in getting them to remove this account from my credit file. I am in need of your assistance in getting this matter 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 explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently disputed several items with XXXX and the items were deleted from my credit report ... The company name was listed as XXXX XXXX and now they have re inserted the negative items back on my report but under XXXX XXXX, I was never notified by the collection agency nor the Credit bureaus that this information was going to be put back on my reports. This has caused a tremendous drop in.my score and has affected my pre-approval for my home. When, I disputed the items I asked for a debt validation letter along with XXXX correspondence but the company failed to reply back with supporting documents.. They have violated the Fdca law and the Fcra which I can seek damages from the collection agency.. The debt is n't owed because it was included in a paid lawsuit..I have documentation of debts being paid.. the date of services were XX/XX/XXXX,2016..I am asking that these negatives be removed immediately with company and the company be advised not to re insert these items back to my report and if they do, I will sue..

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 2015-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I checked my free credit report in www.freecreditreport.com which says that it is a part of Experion. It said I have to pay {$1.00} to get my score and so I paid {$1.00}. What it did n't say that it automatically enrols me in some EXPERION membership which, if I do n't cancel within 7 days, they would start charging me membership fee. NO. THEY DID NOT MENTION ANYTHING. 
Now after 7 days, Experion started charging me {$21.00} monthly for my membership with them which I did not authorise or even enrolled myself for. Is freecreditreport.com is a proxy face for EXPERION to do these things? And yes! There are XXXX complaints against EXPERION for doing this same thing. XXXXBut it seems nobody is bothered to take any action!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX # XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX XXXX. 
First who am I dealing with? XXXX Bank Mortgage XXXX a division of XXXX Bank, XXXX. XXXX Exhibit A ) or XXXX BANK F.S.B. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX Website? 
2 XXXX ForeClosure redeemed XXXX Exhibit XXXX XXXX XXXX Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) Experian Remarks? 
In Regards to Question 3 Who was XXXX XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXX? 
Consent to publish the description of what happened? Consent providedSupporting documents ( A ) Loan Activity Detail XXXX XXXX ( XXXX ) ( B ) Screen Shot XXXX at XXXX ( XXXX ) ( C ) Screen Shot XXXX at XXXX.png ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian would not deliver my free credit report after I entered all personal 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 non-monetary relief
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I asked to investigate all the fields on the act. but they come back with a verification that the balance is not reported by the the creditor. If they ca n't verify the balance is XXXX after well over 45 days they should have deleted the acct. They are slopy when they fix something they XXXX others

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 2016-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All negative reports should be deleted from my file. Each account has been paid to the original 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 2017-02-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I obtained my free annual credit report online on XX/XX/2017. As of XX/XX/2017, a negative account is scheduled for deletion, I attempted to check and dispute online as of XXXX on XX/XX/2017 but was unable to do so, no matter what computer I used.

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 2016-04-07
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:
I am trying to contact Experian because I submitted a police report proving identity theft and I have tried to submit additional inquiries for review because they are fraudulent and Experian refuses to allow me to do it.

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 2015-04-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received an email stating my results are ready and to access them within XXXX days from XXXX but have been unable to do so. In addition to their provided Report & ID number, I was to enter my ssn, state, and zip code. The entered values are accurate and should all access to my results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I hired a contractor to install gutters, but he never showed up. The contractor secured an 18 month interest free loan w/ XXXX XXXX XXXX , & told me to send in monthly payments. He said this way I could try to beat the high interest charge rate at the end of the 18 month period. So when I received my 1st invoice, I sent XXXX a payment of {$50.00}. The contractor had said he was on a big job and it would take several weeks to start my job. That was on XXXX XXXX, 2016. In XXXX, when I stated calling the contractor, he never returned any of my phone calls. When I contacted XXXX XXXX, they were also unable to reach him. XXXX had also called me to confim how the job was going on several occassions and I told them the contractor had not started it yet. Then I noticed my Credit report had a charge on it of {$600.00}. When I called XXXX to complain. They said that they already paid the contractor, even though I kept telling them he did not show up or do any work. I believe this is a fradulant charge and would like it removed from my credit file.

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 2015-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested Experian to revolve a tax lien from my credit report as it does not belong to me. The credit agency says that they verified the information is correct. That is absolutely not truethe lien is not mines and should be removed from 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 2015-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My ex wife used my social security number and obtained a credit card in my name, while XXXX and its affecting my credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX accounts on my credit report. 1 ) XXXX is a XXXX balance, unable to get them to remove the item stating they need documentation 2 ) XXXX XXXX paid in full states they need documentation which the company has sent to them plus they refuse to make changes to the credit report with my documentation. They are famous to state they will not reinvestigate the account. This is against the FRCA .But they intimidate customers staying even though paid will not reinvestigate the accounts. Accounts status and balances can change and they should be fair and transparent to the customers if information is provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX days then XXXX days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I have never had at XXXX account much less want one. I have received a letter from afini collection in Illinois and so far what I Ave read about them they are either a scam or they are a third party debt collector. If them hey have my ss number and report them hey his them hey his own my credit then someone has either stole my identity or used my name and ss number somewhere without me knowing. This is not my debt as I have never had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Blackhawk Network Holdings Inc.
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
I received a prepaid visa from XXXX. The card expired but had a balance of {$50.00}. When calling the number on the back XXXX ( XXXX ) They said the money was gone and they could not reissue a card. I asked where the money went. They said " I would be only lying if I told you '' There seems to be no way to get any more information or resolution from them. 
XXXX basically gave them {$50.00} dollars in my name. 
I feel this is a scam as I tried to use the card before it expired at locations listed on the website, but the retailers I selected would not accept the card. 
Where did the money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notification that an account that I had disputed was still on my credit report even after the company never responded from my original complaint over a year ago. AFNI Afni , Inc . 
XXXX XXXX XXXX XXXX, IL XXXX i NEVER DONE BUSINESS WITH THIS COMPANY. The account from XXXX has never been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection company listed XXXX on my credit file AFNI collecting for an XXXX bill # XXXX {$360.00} and then an account # XXXX {$0.00} unknown and false information listed. I would like to receive actual validation of a signed contract on these. Requested and disputed nothing received.

Company response to consumer: Closed with explanation