BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been working diligently over the last 6 months fighting accounts on my report that do not belong to me. On multiple occasions, I have received appropriate responses from the bureaus and the creditors. On almost as many occasions I have not received the appropriate response or investigation. I have even had to file previous complaints with your agency against creditors due to their unfair and illegal practices. You have been very helpful and I have achieved the desired results due to your investigations. Thank you for this On this occasion, I am contacting you about the three major credit bureaus. As stated earlier, I have been working diligently to ensure that accounts that do not belong to me are removed from my report and what I do owe gets resolved. over 2 months ago, I sent out disputed to all 3 major credit bureaus for a total of 3 accounts that do not belong to me. Each particular account is only reporting to 1 bureau. They have yet to respond to my initial dispute nor the re-dispute I sent 28 days ago since I had not heard back from them. 
The accounts on my report that do not belong to me are as follows. 

XXXX XXXX XXXX {$210.00}. Experian OnlyAcct #? 

XXXX XXXX {$120.00}. XXXX XXXX Onlyacct #? 

No name XXXX literally no company listed on the report XXXX {$54.00}. XXXX Only. 
acct #? 

I know that these accounts can not be verified and they should not be on my report. Especially the account on XXXX. How can they verify something that does n't even have a name? Please assist me in getting the bureaus to do their job properly and remove these unverifiable accounts. I am in the middle of escrow and these are the only things holding me back for the last 60 days. Literally {$390.00}. I could n't even pay all of them if they were actually mine since they do n't give me the name of the {$54.00} creditor. How can they report accounts like this? Thank you and I will await your timely response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Approximately XXXX of 2019 I requested that XXXX XXXX XXXX would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX and one XXXX because had autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is XXXX XXXXXXXX XXXX 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts.

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the XXXX XXXX XXXX cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with XXXX XXXX  XXXX for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this.

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of XXXX XXXX  XXXX to make this right. They collect fees but have no contact available through their automated system to contact this department.

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 2015-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Received declination of credit from a credit card I attempted to open. Rejection letter stated Experian 's phone number as well as " Report Access '' link and include a XXXX digit " reference number ''. When attempting to receive complimentary copy of my report that resulted in this decision, tried both Experian 's phone number and website link. 
After carefully entering my ( correct ) information, Experian 's phone system said they could not retrieve my data and I must submit my request in writing. There was no way to access an actual operator to provide them with the Reference Number ( which presumably should have made finding my report quite easy ). Instead, it simply repeated the mailing address and necessary supporting documents. When going through the experian.com/reportaccess site, I also received the same denial of accessing it through their online system, and was told to submit my request in writing to the same address. 
It 's ironic to note that Experian does not accept mailed credit card statements as proof of address ; given how many people are using electronic statements only in this day and age, it 's not always easy to find XXXX of their accepted forms of mail. 

I will note that I have ALWAYS received this type of complication from Experian, also while trying to claim my free annual credit report as required by law. 

I assert that Experian purposely makes their " Free '' system hard to retrieve reports from, in an attempt to get people to purchase their reports instead. I have no doubt that if I signed up for their credit monitoring service for a hefty fee, they would somehow " magically '' locate my report. They are simply trying to leverage the laws in place for consumer protection to grow their business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Veristone Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I will be attaching a transaction history, XXXX and GFE of the Veristone Capital LLC loan. In a nutshell this is clearly predatory lending, and a violation of many lending laws. These guys promised me they could refinance me out of their " terrible '' loan within a few months. Not only could they not refinance me, they never intended to, and they never even determined my ability to pay their loan or future loans - no tax returns or assets were provided. It is a hostile takeover of the home. I have a pending XXXX complaint. XXXX is conducting a " On-Site '' inspection end of this month or beginning of next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: NV
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Illegal Re-Aged Account : When I disputed the account through Experian in XX/XX/XXXX XXXX XXXX XXXX re-aged the Account. The credit report dispute shows the date of first delinquency to to be XX/XX/XXXX. XXXX XXXX XXXX has reported this negative for 9 years so far. The other Credit reporting agencies removed the account, Experian has not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13
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:
I tried to get my credit report and it tells me my information does not match what 's on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the customer service department did not help remove the negative inquiries that are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly Experian 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!

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 2016-05-22
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 XXXX XXXX accounts on credit report that is not mines and I have attached a letter from bank asking for them to be removed.

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 2016-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a car from a private party for personal us on XXXX using my CAPITAL ONE credit card via XXXX. The car was delivered without a title and numerous undisclosed issues the worst being a rusted out frame. I contacted the seller and he refused to allow me to return the item or correct any of the issues the car had. I filed a dispute through my card company. XXXX and the seller responded. My card company ( capital one ) gave me a list of things I needed to provide in response to keep the dispute open. I completed more than they asked for except for one item which was simply impossible for me to provide, that being " A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem could be corrected and at what cost ''. This was a private party sale, there is no comparable merchant that I can provide a written statement from on company letterhead. I contacted Capital One and the rep told me that is just standard wording, explain in your response why it can not be provided and that should be fine. I did that in my letter, since it 's impossible to provide. Furthermore, the seller did not deny the issues the car had, I provided photos of the rusted out frame and seller simply said 'it 's still worth what you paid for it '. I then get a letter from Capital One stating my submission lacks 'all the previously requested information ' meaning the 'second opinion ' letter on company letterhead which was not possible sincere is no comparable merchant on a private party sale and the seller did not deny the condition of the car. My contention is the request was impossible to provide leaving me sitting with a car, no title, and rusted out frame ... ... ... and out {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02
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 request to investigate, verify and remove accounts from my credit report per The Fair Credit Reporting Act.

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 2022-08-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681, section 602 A. states I have the right to privacy 15 U.S.C 1681 SECTION 604 A. Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: LA
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 letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXX Balance : {$3500.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX 2012 120 days past due as of XXXX 2012 90 days past due as of XXXX 2012 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting incorrect information on XXXX XXXX account # XXXX they are reporting that the account was charged off it was not I have already disputed this item XXXX times and gave Experian proof of no charge off and they refuse to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.

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 2016-08-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Company is reporting a tax lien on credit report that has been withdrawn by the IRS.

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 2017-04-27
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a credit card with  Barclay 's ba nk and was sent a credit card. They refuse to send me a bill so I can make a payment, or they are sending my bill to a different address. Because I am not getting a bill, they say I 'm late and continue to charge a {$37.00} late fee. I tried to contact them several times and I have yet to hear a word from them. They are charging me late fee 's for a bill I never get!

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 monetary relief
Consumer complaint received 2017-04-27
Company: Bread Financial Holdings, Inc.
State: TX
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:
Company will not contact not even frau d investigator I h ave contacted them multiple times please have them call me  XXXX  the account is mine but the whole balance is not and I have already done everything that they have asked me to do by filling out an affidavit form

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ive initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. thank you for helping

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 2022-02-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief