BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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: Information belongs to someone else

Complaint:
I sent out a certified letter to XXXX last month requesting verifiable proof ( an original consumer contract with my signature on it ) for a few accounts listed. I received the results of my dispute report yesterday with no proof at all stating its verified. These accounts/creditors have reported on my XXXX report and have also failed to provide any documentation as well. I would like for this matter to be resolved as soon as possible.

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 2023-01-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted AM XXXXXXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a written check on XX/XX/XXXX for the amount of {$7500.00} into my personal CapitalOne checking account. This check was a gift from my step mom ( payor ) and she was giving me access to money she has put aside for some time. The check was filled out properly, and had her unique signature on it. I deposited the check via the mobile app and uploaded photos and was told I would not have access to the funds until XXXX. Two days later on XX/XX/XXXX I received an email from CapitalOne saying that my account was restricted until they could verify my recent account activity. I called the CapitalOne customer service number and was transferred to their protection team. At the end of the first conversation after answering multiple of their questions I was told that CapitalOne decided to not do business with me anymore and will send me any money in my account that was 'deemed ' mine. I had a few other conversations with different representatives on the following days on XX/XX/XXXX and XX/XX/XXXX, in one of those conversations they spoke with the remittor of the check and she verified she wrote it, but the CaptialOne representative said that they needed to know that the payor 's bank ( XXXX ) would honor the check. The payor went to a XXXX branch and spoke to a manager and received a typed letter saying how XXXX has lifted restrictions on her account and they would honor any payments if they were deposited again. When I called CapitalOne to inform them that everything was good on XXXX 's end I was told that it didn't matter, what's done is done, and the investigation was still ongoing with my accounts frozen. On XXXX I emailed a scanned version of the letter from XXXX to CapitalOnes direct email. I got denied for a checking account by multiple other banks due to Capital Ones investigation, and I am worried on how I will be viewed on XXXX. CapitalOne never tried to call or reach out to me prior to them closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, Over a XXXX ago, I reached out to XXXX  and XXXX to bring to their attention an issue with the calculation of the average interest rate on my Federal Student Loans. Unfortunately, it seems that my concerns have not been adequately addressed, leaving me without a satisfactory resolution. 

According to XXXX, my interest rate is stated as 5.1 %. However, my loan servicer, XXXX, has calculated my interest rate at 7.080 %, representing a significant difference of XXXX %. This disparity in interest rates can have a profound impact on both my monthly payment amount and the total interest accrued over the XXXX repayment period. 

To provide clarity, I have listed my loans and their respective interest rates below for your review. I am seeking your assistance in finding a resolution to this matter as it has far-reaching implications on my financial obligations and long-term plans. 

Below are the details of the loans : Federal unsubsidized loan : {$5600.00}, interest rate 4.29 % Federal unsubsidized loan : {$2100.00}, interest rate 5.05 % Federal unsubsidized loan : {$4700.00}, interest rate 3.76 % Federal unsubsidized loan : {$20000.00}, interest rate 6.08 % Federal unsubsidized loan : {$20000.00}, interest rate 4.30 % Federal subsidized loan : {$5500.00}, interest rate 4.29 % Federal subsidized loan : {$5500.00}, interest rate 3.76 % Federal subsidized loan : {$5500.00}, interest rate 5.05 % Graduate PLUS Loan : {$5500.00}, interest rate 7.08 % Graduate PLUS Loan : {$2600.00}, interest rate 7.08 % Graduate PLUS Loan : {$14000.00}, interest rate 5.30 % Based on the provided loan information, the calculated average interest rate is approximately 5.1 %, which is notably lower than the 7.08 % rate. The average interest rate was determined by considering the loan amounts and their corresponding interest rates, leading to an average value of ~5.1 %. 

Please note that this discrepancy in the calculated average interest rate indicates the importance of reviewing and reconciling the interest rates with the respective loan providers to ensure accurate and consistent information. 

I sincerely appreciate your attention to this issue and look forward to your guidance in resolving the discrepancy in interest rates on my Federal Student Loans. Thank you for your assistance in this important matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have noticed Capital One reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning ( dates started reporting ) and ( dates reporting ) on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX. XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON 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 2023-05-17
Company: Experian Information Solutions Inc.
State: MD
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:
The address provided below do not belong to me and was use fraudulently to obtain goods and services. I am disputing this address and would like it to be removed from my Experian, XXXX and XXXX credit report : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, MD 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 2023-05-17
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: Their investigation did not fix an error on your report

Complaint:
I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( XXXX XXXX XXXX  ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: AZ
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 writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO 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 2019-03-26
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft I notified XXXX numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and XXXX refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.

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 2021-05-06
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have submitted information to experian that this account with XXXX XXXX  was cancelled and no balance is due. I submitted a 1099c. Experian updated my account as a charge off and its now reporting as a new charge off for XXXX and XXXX. This debt has been canclled since 2016 and should not still be reporting as a chargeoff. I called experian and the rep advised me that XXXX never advised them the acct was cancelled. I have spoken to XXXX and they confirmed that the account is cancelled and they dont know where experian is gathering the 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 2023-04-06
Company: Experian Information Solutions Inc.
State: AK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the credit bureaus credit won't let me dispute online or over the phone the following accounts are not mine account name XXXX {$2000.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Account number 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 2023-10-05
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bull City Financial has chosen to violate my rights under federal law as a identity theft victim. This company has been notified by myself and also several credit reporting agencies that the account they are reporting has been flagged as fraudulent. Bull City still hasnt corrected their errors and is intentionally reporting Fraudulent information. I have contacted this company over 50 times, the moment I request to speak with their fraud department they immediately disconnect the call. This complaint will also serve as my legal evidence that I have exhausted every means possible to fix this fraudulent issue with Bull City Financial and will be seeking {$250000.00} in Federal Court for Defamation if this issue is not resolved in five business days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: CT
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:
Currently in arbitration and should not be reporting on all credit reports. Arbitration case # : 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