BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian. I just do n't get them, maybe just " good enough '' is OK these days. 

1-The XXXX XXXX account, the last line, there was NO bankruptcy filing in XXXX of XXXX 2- XXXX account, we gave gone round and round, all they did was delete the XXXX history. Both XXXX and XXXX deleted this account, I sent that info last time to you. 
What is n't addressed : This account was paid through the court in my chapter XXXX and discharged. to report anything different is a violation. Either they sold the account and received funds ( it was actually sold to XXXX XXXX ), who also received a check from the Court. It was sold, when? how come it says {$7000.00} written off? They are in violation of court case : In re XXXX, Case No. XXXX ( XXXX XXXX XXXX/XXXX/XXXX ) ( XXXXXXXX., XXXX ) you ca n't report erroneous or false information. 

" If the Credit Union is going to report on this debt and the receipt and timeliness of payments ( and the Court is not suggesting that this is required ), then the claim as altered by the confirmed plan, rather than the original loan agreement, should form the basis for the report '' Also, they never miss an opportunity to offer a score for {$8.00} dollars, what a scam-see attached " Results Notice ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting the account is closed. The reason the account is closed is I met the full requirements of the loan and paid it in full. I would like the credit report to reflect paid in full.

Company public response: Company 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: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed with this credit bureau several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The day after my monthly car payment is due Wells Fargo calls me constantly, between 4-8 times a day. While I 'm at work, while I 'm eating dinner, while I 'm tucking my kids at night. This has been going on for almost a year despite my constant pleas to them to stop. It 's giving me XXXX and I do n't even want to turn my phone on anymore. Please help me. I do n't know what to do!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX XXXX 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 XX/XX/21

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 2016-04-19
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency XXXX XXXX XXXX XXXX contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and today all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly yesterday so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone today with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.

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: Experian Information Solutions Inc.
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 XXXX XXXX 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 XX/XX/21

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 2017-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
X/XX/2017, account was down to {$50.00} or so. Had an automatic transfer for {$100.00} scheduled to go to my savings and 2 small bills to pay. Bills got paid, account down to XXXX bucks. Transfer went through. Called Bank of America, said it 's still processing but also told transfers should n't happen with no money to transfer, which has happened in the past. No money usually means an automatic cancellation of that months transfer. Phone rep are no help, just getting the run-around.

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 2015-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had home located at # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX Bank the mortgage account # XXXX for the property located at XXXX Hidden XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both account Balance were XXXX as of XX/XX/XXXX at the time of sale. 
This inaccurate information needs to be correctedI did submit to you the HUD and Pay off proof dated back XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
they continue to confuse my information with my father 's information. I have sent social drivers license and proof of address ... they have my fathers ss number and his and my moms credit card info. they also have me as retired from XXXX ( instead of showing that I have a job ... also have my ex wife 's credit card info and hard inquiry from XX/XX/XXXX, and we have been divorced since XX/XX/XXXX. I have spent moths to get the credit report because I was unable to answer the questions required due to how many of the questions were erroneously based off of the incorrect statements of my fathers credit report, and I was unable to answer them .... Please help.

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 2015-09-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX 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- # XXXX, XXXX- # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-06-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Barclaycard - I spent {$12000.00} on my credit card for which I was to receive {$250.00} worth of travel rewards. Barclaycard for some reason has refused to honor this.

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 2015-10-28
Company: Statebridge Company
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2015 we called Statebridge Company to make a payment. Statebridge first stated they would not accept a payment because our loan was in default. When I disputed that fact the Statebrideg representive stated that it didnt matter and that our payment was past due and that we had to the full amount Total Past Due : $ XXXX.The representative once again refused to take the payment. I reminded him that the Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. When I informed the representeive that he was violating federal law under Dodd/Frank and the CFPB rules and that he was required to accept my payment and he tranfeered me to his supervisors voice mail. 
On the same date I contacted a XXXX XXXX who is allegedly XXXX of the XXXX SPOC and emailed her the following : Dear XXXX XXXXI would just like to notify you that Statebridge Company refused to take a payment over the phone. We will file a complaint with the CFPB and we will record this violation on any future litigation that may be filed. 

I deny that our loan is in default and your refusal to except a payment is in violation of federal and state laws. 

If you have any comments or suggestions to resolve this matter you may contact me at this email addressSincerelyXXXX XXXXOn XXXX/XXXX/2015 I resent the same email and have not received a response. 
Statebridge seems to show a pattern of making it difficult for consumers to make their payments or not taking consumers payments at all. We belive that this may be an organized attempt by Statebridge Company to rack up fees and illegal forclosures on customers, by claiming consumers are not making their timley payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the validity and the account status of a XXXX XXXX account several times with Experian, XXXX and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Experian completed an inadequate investigation, if any. They did not VALIDATE the account was mine. They have not provided an true open date or payment history ( both of which I requested ), no account info, nothing! I filed XXXX separate disputes ( XXXX online and XXXX via USPS ) with Experian regarding this XXXX account, and I have yet to receive any type of correspondence from them. It has been 30+ days. I have obtained new credit reports from each of the mentioned bureaus as recently as XX/XX/XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that Experian and XXXX have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
# 1 Experian is reporting XXXX as well as XXXX funding and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 I 've notified Experian that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 2017-10-11
Company: EQUIFAX, INC.
State: MA
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:
I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXXXXXX

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 2015-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.

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