BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Re : Complaint Against Experian Information Solutions , Inc.

To Whom It May Concern, I am writing to file a formal complaint against Experian Information Solutions , Inc. ( hereinafter referred to as " Experian '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to Experian 's General Counsel requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXXXXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$880.00}. The FCRA mandates that the credit bureau, in this case, Experian, must ensure the accuracy and completeness of the information they report. 

Despite my clear request for debt validation, Experian failed to provide the necessary information as required under the FCRA. Furthermore, Experian engaged in inaccurate reporting practices, which raise concerns about their compliance with the statute. Specifically, Experian inaccurately increased the reported debt by one dollar within 24 hours of my initial request, only to subsequently revert the debt back to its original value of {$880.00}. This inconsistent and erroneous reporting not only violates the FCRA 's requirements but also reflects a concerning lack of due diligence on Experian 's part. 

Enclosed with this letter is a copy of the validation letter that was duly dispatched to Experian, which outlines my request for debt validation and provides a record of their subsequent reporting inaccuracies. It is my contention that Experian 's actions not only breach the FCRA but also have a detrimental impact on my creditworthiness and overall financial well-being. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. Such action should serve as a deterrent to future violations and uphold the integrity of the credit reporting system. 

I appreciate your attention to this matter and look forward to a prompt and thorough investigation into the conduct of Experian. Please do not hesitate to contact me if further information is required or if additional documentation is needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my friend asked me to use my debit card for a transaction to purchase a one time stock via XXXX XXXX for XXXX XXXX. ( To surprise his wife as a XXXX present ) Wells Fargo had taken the money out and when I/my friend went to cancel the agreement, we were told could not cancel. Yet, on XX/XX/XXXX, I spoke to a XXXX XXXX who stated that an investment was not made. I asked for the return of the {$310.00} as now this is theft on behalf of XXXX XXXX. ( If the investment had gone through, {$310.00} would have been removed monthly from XX/XX/XXXX until date. ) I also filed a complaint with the SEC. I would like Start Engine to immediately return the {$310.00} to my Well Fargo account as he stated an investment had not been made on behalf of XXXX XXXX through 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 2020-07-24
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: Was not notified of investigation status or results

Complaint:
I never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: Genesis FS Card Services, Inc.
State: NJ
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:
I applied for an indigo card. Initially to help build my credit. They only provided a lousy XXXX credit limit which is nothing. They charge all these ridiculous fees just to get the card. I actually with my improved credit got cards with higher limits so i did not need this card. Besides the interest rate is horrible, i closed the card. I called them and closed the card. I got a statement showing i got a late payment fee. If i closed the card, why are they still charging me late fees. They are now here claiming the balance is XXXX with a minimum payment of XXXX due. And they are reporting to my credit reports that the payment is late dropping my credit score. This is not fair and i believe it is illegal. Nevertheless this is wrong. Just because i do not want their horrible low limit credit card does not give them the right to mess my credit up and this needs to be fixed. They are using predatory pactices and preying on people trying to get more money from people. I worked hard for years to improve my credit score and i will not let some company come damaging it with their practices. No.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: OPORTUN FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I did apply for the card on XX/XX/21, but I didn't activate it. Oportun sent me an email on XX/XX/XXXX reminding me to activate the card. I decided I didn't want the card due to the high annual fee, so I did not activate the card. On XX/XX/XXXX, Oportun sent me an email saying that my payment would be due on XX/XX/XXXX. I also received a text message on XX/XX/21 stating that my account was past due. They have been calling me everyday, but I haven't answered the calls because I was told that if I communicated with them they may be able to hold me liable. I did not activate this card, and I certainly don't want to do business with organizations that do business like this. I want them to close the account and revoke any false reports they may have made to any credit reporting agencies.

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been facing a series of challenges with your Capital One Venture card since opening the account in XXXX. Despite several attempts to receive the card, me and my authorized user had difficulty receiving it due to an incorrect address on file. Once I began using the card, my partner 's account was compromised, leading to the need for new checks, account numbers, and cards. In addition, I switched banks from XXXX to XXXX due to a lack of physical XXXX locations in your area. 

Unfortunately, Capital One then restricted all of my accounts with them due to an old account number saved for payments that had not been updated, causing payments to be returned. You attempted to provide documentation and proof of your current account, but Capital One required a statement within the last 90 days, which was not possible as your account had been closed, and you had opted for paperless billing. Despite notifying Capital One, they insisted that the only way to unrestrict your account was to provide the requested documentation. But they have no issues with taking my money from my updated account and still giving me no service. 

To make matters worse, my account has been subject to unauthorized fraudulent transactions that have reached their limit, and Im are still making monthly payments for these transactions. Even though it is still restricted. Capital One has refused to address the fraudulent transactions until your account is unrestricted, yet they have not provided any assistance in un restricting my account. Each time I have contacted them, Ive been referred to a special department that says they will send my account up for review and that they can't help me because my account is restricted, but it has been almost six months, and there has been no resolution. This situation is causing undue stress and affecting my mental health, and my credit score is being adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX, Shellpoint Mortgage company performed an escrow analysis on my mortgage account. 
Shellpoint Mortgage company has documented that my escrow account has a deficit of {$530.00} for the XX/XX/XXXX escrow analysis. 
On XX/XX/XXXX my escrow account has a balance of {$650.00}. 
My next mortgage payment will be due on XX/XX/XXXX after paying the mortgage for the months of XXXX, XXXX, & XX/XX/XXXX. 
My escrow account does not have a deficit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
I recently disputed this account with Experian and was provided with a letter with a quick turn around that this account was in fact accurate. I was not provided with whom they spoke to verify this account or anything. XXXX XXXXXXXX XXXX XXXX, Account Number XXXX has disputed previously years ago. It was proven to not be my account. This account is reporting negative information about me monthly through Experian. Which is inaccurate, unverifiable, invalid. It was last reported on XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. This violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. The other credit bureaus have no record of this account. The credit reports that I have provided prove that this information is inaccurate and incomplete. I would like Experian to remove this account from my report. Thanks for your help with this matter.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated.+ XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00}

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 2023-05-05
Company: Omega RMS, LLC
State: NY
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:
On or around XX/XX/XXXX I was directed by Omega RMS LLC to contact XXXX, ( a debt collection servicer ) to pay off a balance on my credit report that is in collection. XXXX rep n I struck an agreement to delete the faulty account if I could pay XXXX which is less than what they said I allegedly owed. So I made the payment n was told XXXX XXXX  the account would be removed from my Credit reports.

However, what has happened is Omega has updated the amount to XXXX owed from XXXX owed n wont talk to me. It is now in XXXX XXXX my credit report is still affected n I have incurred damages n been denied credit to leverage out of my situation. 

XXXX know that the promised to have this resolved and send me a written letter but they have not done so. As of 2 days prior I was promised a email which I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX is in violation of 15 USC 6802 B. XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy 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 explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had got XXXX  XXXX and miss a few payments and loss my job dis is a loan like a savings account dat u pay too help u rebuild credit not too hurt ur credit it show a late payment on my credit file and it's hurting me rite now

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed Accounts : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX - XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : 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 # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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 explanation