BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up for a " free '' credit report at the Experion website. I was advised that my credit card would be charged {$1.00}. Next thing I saw on my XXXX statement was a charge for {$21.00}. I contacted Experion yesterday, XXXX/XXXX/2015 and was told that I had signed up for credit services from them. I told them to my knowledge I had not and did n't want the services. They agreed to cancel my membership but refused to refund the {$21.00} they charged on my credit card. I called my Bank ( XXXX XXXX XXXX ) and they advised that due to an agreement they have with Experion they were unable to file a dispute for me. I have since researched this on the Internet and it appears that many other people have been taken in by this " scam ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently filed a complaint with Experian in regards to XXXX closed student loans currently only reporting by Experian from XXXX XXXX XXXX. In the XXXX dispute in XXXX Experian stated .... In regard to the student loan, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded with a request to have the account deleted from your credit report. The result summaries were sent to you on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 

in XXXX those XXXX loans are still being reported on my credit file when Experian stated in the previous dispute that the company asked for DELETION. 
i re- disputed this in XXXX XXXX and Experian stated ... You further indicate that you were informed that the student loans would stop being reported. You request that the student loans be removed. Regarding the tax lien, upon further research and investigation, we are in the process of removing the disputed tax lien from your credit report. At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you on XXXX XXXX, XXXX. 

how can they now say that it was verified as accurate if 2 years ago the company agreed to have them deleted? i supplied proof of the complaint and response. I also provided proof of the previous deletions. 

I BELIEVE THESE ACCOUNTS WERE DELETED AND REINSERTED AGAINST MY RIGHTS. ACCORDING TO FCRA If negative information is removed as a result of a consumer 's dispute, it may not be reinserted without notifying the consumer in writing within five days. It 's now been 2 years and i have not recieved such notice.

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 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In reviewing my credit report last year, it came to my attention that there is a derogatory and incorrect piece of information on my credit report. I contacted the company, XXXX, XXXX.directly and I provided the XXXX credit bureaus with the same information in XXXX 2014. I requested that XXXX, XXXX provide accurate information to the credit bureaus regarding this account. Specifically, XXXX , XXXX inaccurately reported a civil claim against me for an account that was paid in full when I learned that it was due and PRIOR to a court decision being rendered. To date, I have not received a response from XXXX , XXXX or any of the XXXX credit bureaus. This information remains on my XXXX and TransUnion reports but has been removed from my XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that XXXX Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with Experian. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as Experian, XXXX and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA 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 2015-08-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account is fraudulent and continues to report on my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I signed a loan at a very young age about 9 years ago and have struggled since in paying the amount due ever since. I have fallen behind on several occasions because of not being able to maintain the minimal standard of living for myself and dependent. The interest rate is set at 12 %. I started my loan by borrowing {$20000.00} and 9 years later I am at {$29000.00} due to interest. I continue to struggle and can not provide what I need to for myself and son with this extremely high payment of {$460.00} a month as well as it will end up being {$100000.00} of repayment by the end of the " life of the loan ''. The private loan company does nothing to help me make this easier ( by lowering the interest rate/payment ). I have been without a place of my own since I was divorced in 2013 and I am forced to stay with family and or my boyfriend. I can not contribute financially to the household because of this and I am at the end of " favors '' being given by people as we ( myself and my child ) are causing financial strain on others now. Without lowering my payment/interest rate so I can have an affordable payment I will not be able to have a home of our own until the loan is paid off. I have exhausted the forbearance offered years ago and the loan company says I am not in " undue hardship '' because I have {$400.00} a month left over after they calculated my bills. This does NOT include rent/utilities that I NEED to pay but are NOT paying yet because I have to " mooch/live for free '' off of my family and boyfriend. I work for " public service '' and because this is a private loan I am offered XXXX relief. I have another 9 years left on the loan and with that being said my current financial situation is likely to continue for a significant part of the repayment period. I need help ... the only other step I may take is to file chapter XXXX or XXXX bankruptcy. This is insane to start with a {$20000.00} loan that has spiked up to a {$29000.00} loan that will inevitably be paid back in the amount of {$100000.00} ... no one should be forced to live in poverty because of such high interest rates nonadjustable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 52 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: OK
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:
I have disputed this account more then 5 times with Equifax, XXXX, and XXXX I also disputed it with XXXX XXXX XXXX, when XXXX   finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to Equifax and XXXX  showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with Equifax and XXXX not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to Equifax And XXXX  SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT EQUIFAX AND XXXX  ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO EQUIFAX , AND XXXX PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
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:
Requested credit score for the first time this year from Experian and was charged {$4.00} to view 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 explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite the multiple Dispute letters and CFPB Complains I have been submitting to the Credit Reporting agencies, the Credit Bureaus have been consistent with their negligence and have kept ignoring my requests. How many times do I have to tell the Credit Reporting agencies that I have been a vicitm of Identity theft and I never made the charges nor authorized anyone about these fraudulent accounts. My information has been exposed in the XXXX XXXX XXXX. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The Credit reporting agencies are required to remove the disputed accounts and information from my Credit File under the Fair Credit Reporting Act section 605b, however, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me copies of proof of verification. This is a clear violation of a consumer 's rights Under the Federal Regulation FCRA section 605b. I recently sent a letter to the Credit reporting agencies last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I am expecting that the Credit Bureaus will have the disputed accounts deleted from my Credit File within the time allowed by the Federal law. Once again, I am requesting the immediate removal of the following accounts completely from my Credit File : 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 2022-10-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 Navy Federal account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The month that is in violation is 10/21

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Re : XXXX XXXX XXXX, Account # XXXXI was a victim of a personal check fraud. When I was finally able to resolve the issue with the collection agency and submit the deletion letter to Experian via its online system, within an hour I have received an email stating that they have verified the account and it belongs to me. I have a deletion letter from the collection agency stating that this account has been closed due to fraud. I am just asking Experian to review the information properly and remove the account from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
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 some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX ' XXXX XXXX XXXX, shows on credit report as a charge off not once but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX . 
XXXX account is not mines and have dispted with experian for the last 5 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a Judgement listed on my credit reports. I settled the Judgement on XXXX. I tried to dispute the Judgement online to have it removed from my Equifax credit report. I was not able to do it online, their system could n't find my information. I was then instructed to fax a copy of my drivers license, credit report, and the information about my dispute. I faxed them XXXX pages on XXXX. I have had no response from Equifax and the Judgement remains on my credit report. I would like to add that I disputed this Judgement online with both XXXX and XXXX and it was a simple process and took less than a week to remove. With Equifax it has been 30 days and I ca n't get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to report inaccurate information on my credit file after multiple attempts to have them correct the inaccuracies. I have sent Equifax via certified mail multiple disputes along with supporting documentation for the items that i am disputing. They also have violated multiple consumer protection laws by stating that they verified the accounts when in reality all they did was parrot information given to them from other sources and then they advise me to contact the original creditor, shifting the burden back on me which is a violation of 1681 ( a ) ( 4 ). Equifax has ignored multiple requests in my disputes as i have asked for the documents that they reviewed in order to conclude their investigation. The fact they continue to ignore this request is proof that they did not verify any of the disputed accounts like they claim they did. Under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to " ... promptly DELETE all information which can not be verified. '' It is my understanding that the FCRA allows me to dispute items that are inaccurate, untimely, misleading, biased, incomplete or unverified. CFPB, i seek your assistance with this as Equifax seems to be consistently taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( Equifax, XXXX, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made XXXX attempts with Equifax to have the incorrect information reporting on my credit report to be removed! Equifax, continues to tell me that the information has been validated. I have filed a police report with my local police station stating that I am a victim of identity theft and they are currently investigating the issue as we speak. I would like to have the incorrect items in question to be removed. Please see the attached police report that I have submitted to Equifax 3 times already. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
back in XXXX 2016 i use equifax to look at my credit report XXXX is a void order number i have chat with customer services they agree the number is wrong i try to have them remove the number from the account because i can not see all complete dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Items on my credit report were due to identity theft and fraud. I disputed the items in question and were deleted. The items are now showing on my credit report again and not sure why. I have also contacted the collection agencies and told they are not reporting. The credit agency refuse to remove the incorrect/outdated/fraudulent items from my credit report.

Company response to consumer: Closed with explanation