BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian as repeatedly claimed to ave re-verified information that either is n't mine or is n't correct. They 've ruined my credit for years. I also added a fraud alert and they continue releasing my report without my permission and the inquiries do not meet fair use criteria. Finally, they report incorrect personal information and refuse to remove it no matter what proof I provide. 
I am providing proof I have a {$0.00} balance on my XXXX XXXX Credit Card. 
XXXX XXXX is not my account and has never been. I do have an XXXX account with a {$2800.00} limit, but it 's not this account number. 
XXXX XXXX XXXX is older than 7 years and should n't be on my report to begin with, but I also ave proof from them it should be removed. 
XXXX had no right to request my credit report for fair use or any other reason. This inquiry must be removed ASAP XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type All banks - non specific Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I 've ad to pay for alerts and credit monitoring due to their gross mishandling of my file aka my life.

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 2019-10-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in the late XX/XX/XXXX 's earlyXX/XX/XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XX/XX/XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.

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 2016-05-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian has incorrect personal information to my credit report. Someone much have a name similar to my name the name and DOB is incorrect please remove anything that is associated with that name and DOB XXXX XXXX/INCORRECT/DELETE XX/XX/XXXX INCORRECT/ DELETE

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 2015-05-18
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX homes offered to pay for 1 year 's HOA dues as an incentive for financing with their title company First American Title.. The title company calculated the HOA total incorrectly ; leaving the total 2 months short. XXXX XXXX paid settlement costs, but was short 2 months on the HOA dues. The HOA has now billed us, including late fees for the shortage, saying they are not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX ), XX/XX/2021 ( XXXX ) and XX/XX/2021 ( XXXX ) against FED LOAN SERVICING. As of XX/XX/2021, my FED LOAN SERVICING student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX and XXXX closed my Disputes with no change to my account balance and status, because FED LOAN SERVICING advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why FED LOAN SERVICING would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was stolen and I need a credit freeze for all credit bureaus listed : -Experian 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am placing a freeze on my credit files at XXXX, TransUnion, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.

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 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in the late XX/XX/XXXX's early XX/XX/XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XX/XX/XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.

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 2020-11-02
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we applied for a loan modification through our loan servicer which is Loancare. Our loan number is XXXX. We made our trial payments and the permanent modification documents were sent to us in XX/XX/XXXX. We signed and returned them on XX/XX/XXXX. Loancare received and stamped them on XX/XX/XXXX by XXXX XXXX. 

On XX/XX/XXXX, the Order Granting Motion to Approve Permanent Modification was granted ( See attached ) On XX/XX/XXXX, I called Loss Mitigation ( spoke with XXXX at XXXX ) as our billing was still showing that we weren't modified and we were showing past due. She told me to send all supporting documentation to the loss mitigation email address she gave me and I did so at XXXX XXXX. 

On XX/XX/XXXX, I emailed a follow up and copied my attorney asking for all of the information to be updated, late payment fees to be removed, payments to be allocated correctly with the correct interest rate and payment as per the modification, escrow to be adjusted and the like. No response to that either. 

On XX/XX/XXXX, my attorney sent a certified letter stating that this all needed to be corrected. ( see attached letter ). We received a confirmation letter back stating it would be completed On XX/XX/XXXX, I got a printout from Loancare to see if anything had been done to adjust and nothing had. 

On XX/XX/XXXX, I asked for another loan printout to see if it had been corrected and again, nothing. 

XX/XX/XXXX was the 30 days ( excluding the holidays and weekends ) to get it corrected. 

On XX/XX/XXXX, I called and talked to XXXX who stated that XXXX ( the closer ) still hadn't gotten it corrected and didn't know why it was going on so long. She tried to reach out to XXXX but she didn't answer. I asked her to escalate this to resolution. XXXX stated that she was going to send an email to her own supervisor to get to the closing supervisor. Given that no one has corrected to date, I don't have much faith that this is going to be handled anyway. 

We are selling our home and we close on XX/XX/XXXX. We have paid all of our mortgage payments. It is imperative that the interest rate, payments, escrow, and late fees all be corrected ASAP so as to not cause any further issue.

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 2020-10-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute for a Bankruptcy listed on my credit report and asked Experian to verify the public record. Experian has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy Court-XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if Experian can not show how they verified this public record Remove this entry from my credit 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 explanation
Consumer complaint received 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
have a mortgage on my account that has negative information I never had a mortage in XX/XX/2019 nor the years on my credit report. XXXX XXXX XXXX I never was late. Its weird how they are reporting different information on each credit report. I read that the ftc said that its against the law to add inncorrect information on a persons credit report. Its against my rigths to report inncorrect information. XXXX  XXXX   also reported me late.too. I work hard to keep my credit good. XXXX XXXX and XXXX XXXX XXXX are reporting lates thats not correct. 

please remove these incorrect information from my accounts I was never late

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 2020-03-08
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : DITECH FINANCIAL LLC XXXX Late Dates XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian.com 's main website banner offer 's a {$1.00} credit report when clicked takes you directly to a page to fill out the form. No where on the banner does it state that you are agreeing to JOIN a recurring membership based website. No where in the process is there a field to opt out of this supposed membership. 

I got a {$1.00} credit report on XXXX XXXX, 2016. I cancelled the credit card I used to purchase the report. The only notice I ever received from Experian was an email requesting I log in and give them my new credit card. I never did because I did not and was not interested in any further offers from their company. 

Today Experian put the charge through on my new credit card, a number I never gave them I never put in their website nor did I ever agree to pay anything with. 

I called Experian immediately when the charge was processed on my new credit card and asked why. The representative on the phone told me he could not help me unless I gave him my credit card number, the new credit card, I absolutely refused to do that and I argued with him until he agreed to find me by my social. 

It is obvious to me that Experian was attempting to get my new credit card number to weaken my ability to dispute the charges. 

Having text below a banner on a website does not tie the advertising banner together with the offer. Then when calling to complain the company tries to strong arm me to hand over my new credit card information because they don ' t have it and they know they do n't have it which further shows I had absolutely no intention of doing business with them nor do I ever intend to again.

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 2022-07-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting multiple names and address under my credit file. I have tried to dispute them on numerous occasions, provided proof of identity and yet they still refuse to delete this names that are not mine. I do not want to continue having these names on my report possible penalizing me for some one else 's mistakes 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 2021-04-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I received a fraudulent charge of {$33.00} on a virtual card number of my Citi credit card which was allegedly from XXXX. The charge posted on XX/XX/2021, and I called XXXX and received a written statement that the charge was not initated by XXXX. 

I then called Citi on the same day, and they issued a conditional credit for the amount of the fraudulent charge. I also requested that my card number be reissued due to the fraud. 

On XX/XX/2021, I received an email from Citi requesting additional evidence on my end regarding the dispute. I forwarded them the response from XXXX that I had received earlier. 

However, on XX/XX/2021, I received a notice XXXX attached file XXXX XXXX ) that Citi has reversed the credit and determined it to be " customer responsibility ''. They mentioned that there were more details in the documents section of online banking. However, the notice there included no information about why this was done, or what evidence did the fraudulent merchant provide that showed that I had made the purchase.

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