BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: VA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: In progress
Consumer complaint received 2023-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX 2022 XXXX XXXX XXXXXXXX ( XXXX ) sold my loan to Select Portfolio. We had a XXXX LOC HELO loan XXXX for over 10 years. The payments were automatically withdrawn, and the loan was in excellent status. Almost immediately I saw that Select Portfolio changed the terms of the loan.

1. I called Select Folio and agreed to have up to {$500.00} deducted from my bank to pay this new bank. The 1st month was approx. {$260.00}, next month {$740.00} and then finally they withdrew {$1500.00} in XXXX. This was quite a bit more that the {$500.00} I allowed. Basically, my monthly cost was 400 % higher than XXXX within 6 months. 
2. My loan with XXXX allowed changes from fixed to variable and vice versa, something Select Folio will not do. This is a huge problem since I wanted it converted to a fixed interest rate in XXXX. 2022 This was before all the large rate hikes. 
3. Next, they added a clause whereby they wanted me to purchase additional insurance. This was not required at all from XXXX. 
The loan was for only XXXX, yet the house and land are worth over XXXX. 
They started charging me over XXXX for insurance I didn't need or want and added it to the loan despite already having insurance that was not required since the inception of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by XXXX XXXX Equifax XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
I am requesting a proper consumer investigation on the account listed below. 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 1681XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. Provide me a copy in writing and signature where I have given this company written permission to furnish my information. 15 U.S.C section 1681 i ( a ) also states if you can not provide proof of accuracy, all listed accounts must be deleted if they are not 100 % accurate and correct. This is illegal and a serious legal matter. After speaking with my lawyer, they notified me that you have 30 days to present the proof or delete accounts listed. I have included a copy of my driver 's license and social security card for identification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: WELLS FARGO & COMPANY
State: CA
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:
Three fraudulent super checks were written on my Wells Fargo credit card account. I never use those checks and usually throw out any offers I receive. Some how someone internally from Wells Fargo or externally looking through mail or trash, used three separate super checks to max out my credit card. I had not used the account in nearly a year it had no balance. I only use one credit card, from XXXX, but have several I dont use. My credit score was over 780. I have tried to report this fraud for over a week and nothing has been done. They say they need to do a 45 day investigation. They are going to ruin my credit score and I dont even know what the fraud is. Where the checks were used. No one has any answers or any reassurance I will not be made responsible for this fraud.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: NC
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'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have new information regarding CFPB complaint # - XXXX, XXXX, XXXX, XXXX, and XXXX. I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Equifax a letter on XXXX letting them know that I have handled this account and asked them to remove it. Equifax still have this company reporting negatively on my consumer report willingly and knowingly. Equifax is in violation of 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: AL
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2022-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
made a purchase and I was given a price of XXXX per shoe. The store charged me XXXX per shoe instead. I called to dispute the charge and they stated they could not dispute the charge because the receipt said XXXX so they are allowed to charge XXXX even tho I was verbally advised XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: NY
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, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am submitting a complaint against XXXX in regards to my old private students loans I used to have through XXXX from XXXX XXXX. My students loans are currently own by XXXX. They were transferred to FedLOans in XXXX. I am submitting this complaint because XXXX never provided me with information about other types of loan repayment/forgiveness such as the Income Driven Plans or the Public Loan Forgiveness . Instead, the only option I was given by XXXX was to put my loans in deferment. Currently there is a lawsuit against XXXX for using predatory strategies regarding loan repayment. Millions of students, including myself, were not provided with other plans for loan repayment. I worked for 6 years for a non profit organization, yet because my loans were on deferment, I never received credit for my 6 years of work as a public health research analyst. I have contacted XXXX about this two times already. I was told that because my loans are now own by XXXX, they can not provide me any information on this since I am not part of XXXX. I called XXXX, but I was told to call XXXX. I contacted the US Department of Education about this and I was told to submit a claim through here. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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:
Please remove and suppress this account, no knowledge or contract with this company 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. Please remove for innacuracy XXXX XXXX Collections - summary XXXX XXXX Experian Account Number XXXX Original Lender XXXX XXXX Name XXXX XXXX XXXXXXXX Date Assigned XXXX XXXXXXXX XXXX  Original Balance {$1500.00} Current Balance {$1500.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Account Information Disputed By Consumer

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 2021-07-11
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I have sent multiple letters disputing a chapter XXXX bankruptcy that is not mine. XXXX  has deleted it from my report. Yet the Chapter XXXX Bankruptcy still has not been deleted. They are not following the method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy. 

They state that it is verified as accurate but have not provided me any of this information.

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 2023-11-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Remove all negative accounts that dont belong to me immediately. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system. Remove all negative accounts that dont belong to me immediately.

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 2023-05-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: CA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation