BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: PA
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:
This letter is about the following accounts : : XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have received my disclosure from XXXX and pacer, experian said it comes back verified as accurate when the issue is XXXX doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ XXXX XXXX and they all said they cant verify the information as none of them share with XXXX parties so experian lied.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: NC
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Account Name : XXXX ), ( Account Number : XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Tranunion need to remove XXXX late payment. Never been 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There has been unauthorized inquiries on my report and it has surpassed 90 days without a response about the complaint. I demand these accounts be deleted immediately or I will file for litigation. These items must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: PA
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:
This is a complaint against XXXX  and Experian, not XXXX. I had tried to go through the normal chain of commands by filing a credit report dispute on a closed/paid XXXX credit card that was charged off and is reporting negatively on my credit. After not yielding a justifiable response, I had filed a 609 dispute on XX/XX/2021. As per my understanding, this is a right afforded to me via the Fair Credit Reporting Act under section 609. Upon receiving my results, I was not provided with the documentation requested that validates my ownership and/or history of this account. This prompted me to file a CFPB complaint on XX/XX/2021. I had requested the same information from my original 609 letter dispute. I wanted to be provided with my wet ink signature on the alleged new credit card application, which shall also include my social security number and full legal name, or at the very minimum, what is being used to validate my ownership of this account. Instead, the CFPB was provided with a BALANCE letter from XXXX. This letter was dated two months before I filed a complaint ( XX/XX/2021 ). This balance letter states that my alleged account has a XXXX  balance. It contains no information validating the legitimacy/ownership/derogatory history of this account. This letter was uploaded to the CFPB portal and the complaints against Experian and XXXX  were closed. Had the bureaus verified the documentation provided to them they too would see nothing more than a letter saying I have a zero balance.

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 2023-03-31
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I have attempted to dispute incorrect items with Experian since XX/XX/2023. They continue to respond that they can not find my credit file. I have furnished all of the documents they have requested twice already, and still get the same response from them. I am pulling my credit report from them directly, have called their customer service # and the representatives can locate my credit report.

I am attaching a copy of everything that I have sent to them including the original dispute request dated XX/XX/2023. Please assist in getting Experian to do their duty to investigate these discrepancies. 

This is causing me extreme anguish, XX/XX/XXXX, and countless other issues in my day to day 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 explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/2023

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 2023-11-24
Company: Experian Information Solutions Inc.
State: MN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX  Balance : {$6500.00} ; XXXX XXXX XXXX  Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$540.00}.

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 2022-11-24
Company: EQUIFAX, INC.
State: MD
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:
Hello CFPB. Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 10 % correct. In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Earnest Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Because of a system glitch, my student loan provider executed an unauthorized payment against my student loan a whole week prior to my scheduled auto payment. As a result, my bank account was overdrawn and I incurred fees. I tried to get compensated for the fees and the servicer is requesting documents like bank statements showing the problem which are documents that can only be prepared on a monthly basis. I already sent a screenshot showing the payment made to them and corresponding charge. Because the snip can not include my name or bank information they are refusing to issue any kind of payment to make up for these fees incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi, my name is XXXX XXXX. I am writing this complaint in regards to my credit report. This morning ( XX/XX/2021 ) I ran my credit report and saw that I was an Authorized user on an account with a high balance. The Balance on this account was {$9400.00}. However, the only card I am authorized on is under XXXX XXXX and has no Balance on his account. The card that I am authorized on is XXXX whose primary holder is XXXX XXXX and currently has no balance. I was contacting you in order to figure out why the balance on my credit report is {$9400.00} when my father doesn't have a balance. Or if I was authorized under someones account without my knowledge or 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 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/2021 I entered the Bank to close my account. The girl at the desk said she would help. So as she's talking to me she keeps asking me if I'd like to speak with a banker. I said no, I simply want to close my bank account. She asked why, I told her, So she kept trying to ask me financial questions. Are you looking to buy a home? What are your financial goals. Again, I told her JUST CLOSE MY ACCOUNT. After 15 minutes of probing questions she finally closed my account.

I find out later that day by XXXX  that she did a credit inquiry without my consent. I went back to the bank to get her information.

It was completely deceptive to run my credit without my consent. ALL I asked her to do was close my account which only takes 2 minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor Navient. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all Navient accounts be remove and deleted from " XXXX  '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the CFBP had the creditor Navient account deleted from my XXXX  profile, but the same account is still being report erroneously on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Mr. Cooper Group 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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has incorrect information on file. 
When i shopped for home mortgage in XX/XX/XXXX, I contacted 6 companies, and picked one of them. This must be shown as one inquiry, not six. 
I tried to call customer service - got disconnected on XX/XX/XXXX. Also, tried to chat on Experian.com - thee times was disconnected, also on on XX/XX/XXXX. It looks like a complaint to agency is the only available means to fix the issue. 
Please help to rectify the 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 2023-03-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : FACTUAL DATA Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 FACTUAL DATA Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS-XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS-XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 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 explanation
Consumer complaint received 2021-07-29
Company: BMW Financial Services NA, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I planed to buy the car, the dealer ( XXXX BMW ) provided 1.9 % of interest rate with 60 months payment then when I signed the contract the interest rate was changed from 1.9 % and 60 Months to 5.79 % with 84 Months. I believe that they explained why they want to change the rate and period even that's not good for me and couldn't get the meaning clearly but I agreed and signed because that was almost XXXX. I had to finish it ASAP then had to back to home to care my son. 
Since I bought the car, I realized they didn't care of my car 's problems well and realized they overcharging me the interest rate than the average charging with similar credit score 's people.

In my understanding, the interest rate will be between 3 % to 4 % with 84months. I am thinking the BMW overcharging me and that's not fair. If I know that I didn't sign it. Why do I have to pay more than other people even I agreed and signed the change the interest rate and period?

Sounds like the BMW can charge me the interest rate between 3 % to 4 % with 84 months fairly for their benefit but they did more than normal.

If this is true, I am not happy and want to know the BMW overcharged me than normal.

I believe that people should have a equal and fair service.

I contacted the BMW USA to solve those issues before complaint here, the person who called me one time from the BMW USA, he advised me to talk with the dealer shop directly. So I waited 4days to someone call or email to me to solve this. But now I am not comfortable with waiting time because my first payment due is XX/XX/XXXX. Even I didn't want to talk with them, I tried. 
Also, pretty hard to believe them now. I need someone's help to solve this problem. 
I am looking forward someone can help me. 
Thank you.

Company response to consumer: Closed with explanation