BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA XXXX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX XXXX XXXX ) XXXX ( Direct cell ) 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 non-monetary relief
Consumer complaint received 2015-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian does not answer the phone, has not removed the erroneous and perhaps fraudulent info from our credit report. We are a small, family-owned XXXX XXXX. Our company name is XXXX XXXX XXXX XXXX. We live & work from home. Our shop is on our property and has been for over XXXX years. We are the only XXXX XXXX & XXXX for miles around and certainly the only one in XXXX, TX. Experian will not return my calls. I have emailed XXXX times with exact details of the problem and I keep getting letters that say it 's resolved. It is not. We are still listed twice on a business credit report search. The wrong info lists our address as that of our XXXX competitor who has been out of business over a year. The property taxes for 2014 for our competitor 's property are in arrears and I have been told by our mutual vendors that they were never paid by our competitor. XXXX denied our credit app because of Experian 's reporting. Experian keeps telling me to " resubmit again. '' After posting my story on Experian 's XXXX page, I finally got a real human in the personal credit reporting department that is trying to help me. He is even having a difficult time with the Business Credit department of Experian-his own employer. XXXX XXXX XXXX XXXX has never owned, rented, worked from the property at XXXX XXXX XXXX, XXXX, TX. Several years ago, someone claimed our online profile so that when you searched online for XXXX XXXX & XXXX you got the phone number to our competitor at XXXX XXXX, XXXX, TX. I finally fixed that but it took years. We were denied credit by XXXX because of Experian 's false information and Experian will not return my calls and repeatedly sends form letters to me saying that it 's fixed. A quick search on www.experian.com reveals that it is not fixed. No one has called me back except for XXXX in the personal credit area, who saw my post on XXXX and is trying to help me. We have excellent credit. We work extremely hard doing XXXX work in the Texas heat. We pay our bills on time and mostly in-full. The other XXXX reporting agencies are not reporting the wrong info. XXXX with Experian just told me that they have pulled a credit report on our name with our competitor 's address. I can not get the report unless I pay them money. The building at XXXX XXXX is vacant and for sale. The property taxes are in arrears. I just need our name completely disassociated from that address. Please help. Experian Business Credit will not help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Experian updated my balance incorrectly on XX/XX/XXXX, my balance on my statement that was sent from my credit card company to experian should be XXXX XXXX but they have it reported as XXXX which is 97 % of the cards limit. I have sent experian a copy of my statement that gets sent out by the XXXX  XXXX  every month on the XXXX and it has not been changed to XXXX which is what the credit company reported on XX/XX/2020 to experian. Please reflect the correct statement balance, i will attach a copy of XX/XX/2020 statement to this complaint of account 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 2016-02-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX Dob XXXX/XXXX/1962 Please remove the security / fraud alert from my credit profile, I never asked you to place this on my credit profile. It is illegal to place things on MY PROFILE WITH MY PERMISTION!!!!! 


XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
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 been contacted multiple times by a collection agency that goes by XXXX separate names ; XXXX XXXX XXXX & XXXX XXXX XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time 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 2016-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Incorrect reporting on Experian credit report. XXXX and XXXX have all payments on time. Experian does not updated or send method of verification when asked. Also does not updated no late payments. There are no late payments but they report late payments and are interfering with my home buying process report untrue data.

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 2015-07-03
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received numerous call and email for this company threatening to take action for a debt I don't own them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is refusing to investigate my identity theft claim. I want Experian to investigate my identity theft claim immediately. I am a victim of identity theft and filed a police and identity theft report with XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : 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, U.S. Department of Education and 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 2016-08-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX, phone number XXXX, reported to Experian, a credit reporting agency, account # XXXX, original creditor ( XXXX XXXX XXXX ), that I had used their electricity and owe {$1100.00} worth of electricity, I live at XXXX XXXX XXXX, for more then ( 10 ) year, and do not pay for any utilities, it is all included in my Monthly bill or rent. I never live at any other location, five year ago, I filed for Identity theft, with my local Police department, Experian refused to clear my name, they have another account # XXXX, XXXX XXXX for ( 10 ) year they refuse to clear

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 2016-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am the victim of identity theft. I disputed an account wrongfully reported on all three of my credit reports multiple times with each of the Credit Reporting Agencies and the creditor directly. I have previously provided police reports to substantiate my claim. Each time I receive a canned response : " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. '' Yet the CRAs nor the creditor provide documentation *proving* they validated the information, despite my including a copy of my police report when I disputed the account.

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 2016-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
issue is with XXXX XXXX. There were items in dispute which I was told I was not responsible for while under investigation, however, I never received results of investigation and each time I called to inquire, I was transferred to various different departments until one day, some kind soul took pity on me and decided to see my call through to the end and get me a resolution and that 's when I found out that they had resolved my claim and I owed XXXX, which they stated was past due, but I never received any notice of such, so I immediately paid the XXXX but still had questions regarding the dispute, and where this XXXX balance was coming from. I was paying this, not because it was owed but because I did not want it to affect my credit but it ended up affecting it, and it should n't because I paid timely on that which I owed.

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 2015-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I open an account with XXXX XXXX on XXXX/XXXX/11. I filed a Chapter XXXX case XXXX. XXXX XXXX file a claim. XXXX XXXX are receiving payments on the claim. XXXX XXXX refuse to update the correct balance on my credit report. XXXX XXXX also sent me a XXXX to pay taxes on this debt which is included into a Chapter XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files.

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 2016-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I continue to receive auto-letters from Experian stating that they wo n't even investigate this and that they stay on my file for 7-10 years. I would have NO problem with that if they were reporting this correctly, but they are n't! I 've asked to see the actual petition that they are using to verify this information and they have refused to send it. Congress states that the only legal form of verification is firsthand knowledge and the FCRA states that the bureaus must have these docs in their hands PRIOR to even reporting them! So why should it be so difficult to get this information from them if they actually have it? It 's because they do n't! They do n't do that unless they feel that they are about to be sued! Well, I have now have an attorney on this and have gotten the attorney general of CA involved because they refuse to correct my credit report and continue to send me garbage auto-letters each month. 

Here is my dispute with them and you 'll also find the public records page attached along with the letter in full and my identification : US BKPT CT CA XXXX XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct - please send me the physical petition You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate - this must be listed accurately, without abbreviations, and completely You have no plaintiff 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
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for making on-time payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is reporting on my credit report under a account that is not mine : XXXX XXXX. On XXXX/XXXX/2016, I requested Experian to validate this information with XXXX XXXX and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). I, again sent another letter to Experian USPS Certified Mail item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). Experian has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached.

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 2015-07-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax and XXXX report an account with XXXX is in collections. I have no account with XXXX and have had no communications from them about an overdue account. Suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I can never get a copy of my credit report I 've called and gave my information over the phone. And still nothing I am getting tired of these credit reporting agencies that say you can get your information for free withing XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  reported 30 day late payments to Transunion, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to XXXX to pay off the car when they said they would, or XXXX did not process it, until XX/XX/XXXX. XXXX did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX  account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the XXXX payment coupons, showing my due date was the XXXX of each month. By the way, XXXX demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask XXXX where I should send the invoice for their late payment fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax online dispute services provides an option to DISPUTE INQUIRIES. 
When I select and dispute the inquires; it generates a report for example XXXX and XXXX but in less than 24 hours they close the report saying that the inquiry is factual without requesting the company to provide that the inquiry was authorized. 

They are misleading us and give us to think that we can DISPUTE ONLINE but we cannot. 
Its FALSE. I have requested again to have the inquiries removed due to that I did NOT AUTHORIZE. Also, to mention that they sent the companies a request of my report and the companies fail to provide evidence that I have authorized the inquiry for example, in report XXXX 

I have contacted the companies on my inquiries but due to that they are soo BIG.. They lack to provide me evidence of my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Bureau reporting inaccurate information on my credit file regarding my personal information and accounts that do n't even belong to me. I would like the bureaus to address these issues and remove all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
There is an account on my Transunion credit report with a installment about called XXXX # XXXX. I submitted a fraud affidavit and a 30 demand to comply. The item was not deleted nor did I hear from Transunion. I need this item deleted.

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