BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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:
EXPERIAN REFUSES TO MOVE THIS FRAUDLENT INQUIRY ; THIS INQUIRY IS IDENTIY THEFT AND MUST BE REMOVED BLOCK AND REMOVE XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022

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 2015-08-10
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: Experian Information Solutions Inc.
State: FL
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:
While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off. So  HOW can my   XXXX   b e lower? OF course you 'll give me the unfortunately leaving off the total debt is less.

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 2016-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my XXXX and Experian credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.

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 2016-05-15
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 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 2015-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Going back and forth between Experian and XXXX in regards to the removal of XXXX accounts in question. Experian states that they ca n't remove the account it is now up to XXXX. I contact XXXX was told by a Representative that I needed to request by FAX any dispute in writing via FAX. I requested in writing a complete investigation of all XXXX accounts. I 'm not disputing the accounts because at one point they were actually mines. What I wanted to know is when and the dates of the accounts. As shown the accounts were all paid off but however XXXX was placed in collections without properly notifying me. I disputed with XXXX, XXXX, and Experian and they were removed But I 'm having a hard time having them removed with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection was added to my credit report by XXXX XXXX for {$640.00} on XX/XX/2018 which has already been taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX credit cards with credit score report AND IT CLAIMS I HAVE A CREDIT INQUIRY IN THE LAST 3 MONTHs this is untrue 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 explanation
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off.  So HOW can my   XXXX   be lower? OF course you 'll give me the unfortunately leav ing off the total debt is less.

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 2021-12-29
Company: Social Finance, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Charged late fee when XXXX paid min balance 2 days before due date. ( XXXX, paid > min payment ; XXXX due date, XX/XX/XXXX fraudulently charged {$25.00} late fee and marked as late /missed min. payment. 

Amount XX/XX/XXXX Late fee Other {$25.00} XX/XX/XXXX Payment - thank you Payment - {$230.00} XX/XX/XXXX Payment - thank you Payment - {$130.00} Agent connected You are now chatting with XXXX XXXX. 
Thanks for contacting SoFi, XXXX XXXX! My name is XXXX XXXX Please give me just a moment to pull up your information. I'll be with you shortly. 
why is there a late fee on my card when I paid more than min balance 2 days before due date Are you going to reverse the mark on my account and the charge or do I need to file a report against SoFi with CFPB Due ate the XXXX of every month - paid more than due on the XXXX We are sorry to hear about this is this regarding your SoFi Credit Card? 
yes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The company refused to remove all fradulent information from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: Pendrick Capital Partners Holding, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to an ER (  XXXX   XXXX   XXXX   XXXX   )  while traveling in Florida on  XXXX / XXXX /  XXXX  . I provided my health insurance information during this ER visit.  Two  years later after never receiving any letter of any debt I see a delinquency noted on my credit. When I called the number via the credit bureau I found that the  XXXX   XXXX   XXXX  had a contract with the doctor that actually saw me and that the doctor was affiliated with a company named  XXXX   XXXX   XXXX  of  XXXX . The medical center took my insurance information, sent a bill and got paid in full. The  XXXX   XXXX   XXXX  of  XXXX  doctor said that they did not get from  XXXX  the insurance information so they never sent their bill to the insurance. They also never sent any bills to me. Instead they sold the bill as bad debt to a  Company named Pendrick Capital Partners II, LLC. I called them and th ey were extremely rude. They said I had to pay and that many people were in my situation and that there was nothing I could do and I had to pay. They had already without billing me ever made a derogatory mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing concerning my Navient student loan which has since been transferred to a new loan servicer. On several occasions I attempted to work wit h Na  vient in an attempt to process a forbearance. In each instance the process was delayed. In the end the forbearance was granted but each time my credit was adversely affected. I am writing in hopes that you can assist in having the negative reporting removed. I have attempted this in the past directly with Navient, b ut with no positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: BANK OF THE WEST
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have been trying to pay off my Bank of the West loan. I have tried calling them and wait times are over 60 minutes long and I keep getting disconnected. I have sent a bill pay from my checking account at another institution. It has been 10 days and the pay off has still not posted. I have been leaving secured messages to XXXX XXXXia online banking. Today when I went to log on to see if I got a reply, I got the following message. 

" Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX ( XXXX ), option XXXX ( XXXX XXXX ). '' How can that be? I have been logging in every day for the last 10 days. I want to sell the loan collateral but I can't until this is paid off and there is a lien release. 

This issue is causing my consumer harm.

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 2017-03-11
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection letter from XXXX XXXX XXXX. They claimed i owed Paypal XXXX {$430.00}. I called paypal to verify and they ensured me that my Paypal account was closed and no past due balance on it. I am very worried and scared this will mess up my credit report. I also accidentally gave them the last XXXX of my social. This is fraudulent, please stop them from doing this to other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX did car loan for me, I had to pay payment on the XXXX of every month. So they put me down as missed payments on my credit report. I never missed a payment at all. I traded the car in when it was almost paid off, XXXX XXXX NEGLECTED to tell me that I could change my payment due date so the payments were always late. Most car loans have a grace period ( 10 days ) in which they can receive the payment, these people said that they do n't do that. I want that missed payments on my credit report taken OFF because the payments were not MISSED they were only LATE. I do n't have any paperwork or receipts to show the payments because I had a fire and lost a lot of my stuff. I hope you can help me because this is really stressing me out, I want to buy a home but I ca n't with my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a certified letter to Experian on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Experian send me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, Experian still has a total of XXXX accounts they did not provide me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts 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 non-monetary relief
Consumer complaint received 2017-01-16
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Experian. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Experian nor has Experian requested the information, I called Experian and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. He stated they verified this information through the Iowa Federal Court. I advised him that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. He stated it was also verified through a 3rd party credit reporting company, XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Experian. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Experian never marked my credit report as being disputed either.

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 2017-05-14
Company: Experian Information Solutions Inc.
State: GA
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 sent certified letter to  XXXX , experian and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also hav e for two  years have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent certified letter to  XXXX ,  XXXX  and transunion, stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have  for two year s have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting incorrect information on my " MEMBERSHIP CREDIT REPORT '' which part of their Credit Tracker Service. On the MEMBERSHIP CREDIT REPORT IT shows my XXXX XXXX XXXX XXXX XXXX accounts as PAID XX/XX/2010 - this is incorrect, I have never been late. When I dispute the item a " FULL DISCLOSURE REPORT '' is presented which shows the XXXX XXXX XXXX XXXX XXXX as " PAID AS AGREED '', this is correct. I want Experian to correct the MEMBERSHIP REPORT and resulting FICO Score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.

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 2015-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute with Experian to get several items removed from my credit, since they have expired based on Florida Statute 95.11.2(C) for mortgages and XXXX for credit cards. I am disputing credit cards and mortgages that have passed the statute of limitations pursuant to Florida Statute of Limitations. Not only did Experian not follow the Florida Statute of Limitations, but the results they provided at the end of the dispute are completely off-base and incorrect.  Experian stated dates on their "results" that did not even make sense based on the information supposedly reported by the creditors on my credit report. In my opinion Experian is simply echoing what the creditor is telling them, instead of taking XXXX sets of information and then using the law to find the correct conclusion or result to the dispute. Experian is taking matters into their own hands and not abiding by the law, whether it is the Florida Statute of Limitation or the FCRA. Experian is passing judgment as THEY see fit and not as the established law states it should be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief