BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my final attempt to resolve the incomplete and unverifiable accounts on my consumer report before I pursue LITIGATION for DEFAMATION OF CHARACTER. My consumer report is an extension of my character and credit worthiness. Over the past several months I have sent numerous letters to XXXX, XXXX, and EXPERIAN regarding these inaccuracies. These corporations have not been in compliance with the laws of the FCRA. These corporations have not explained what procedures were used to confirm the validity of the accounts that I have previously disputed. I even submitted my FTC report, my identification card ( Drivers License ), personal statement, and I identified the accounts that were inaccurate to block the information resulting in identify theft. Which are the requirements of 15 USC 1681c-2. However, these corporations insisted I did not send in the proper documentation, which is false and misleading. These corporations are not complying with federal law. It appears that these corporations believe that their policies supersedes federal law. I'm demanding that every NEGATIVE ACCOUNT AND ALL INQURIES over 30 days are removed immediately. This not a request. These corporations are causing me harm from reporting false and inaccurate information on my consumer report. The next step will be litigation or damages sustain for DEFAMTION OF CHARACTER. I will not be attaching anymore documentation. I will save my documents for court if the deletions are not made.

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 2023-03-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-12-24
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX to remove : 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 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 XXXX XXXX XXXX  the listed items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
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:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions

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 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have an account in Capital One 360 Performance Savings Account. 
On XXXX XXXX I made a Mobile Deposit into this account. I received A notice on that day stating the following : After an in-depth review of the check deposit ( XXXX ) you made on XX/XX/2023, into your account ending in XXXX, we believe there is an increased risk that the deposit may return based on confidential information that indicates that the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of {$17000.00} until XX/XX/2023. 

However, as a result of this review, we noticed additional unusual activity and for your protection we restricted your account ( XXXX ). A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money.

The next E-Mail I received that day stated : We wanted to let you know that your check was successfully deposited, so you can go ahead and destroy your check. Here are the details of your deposit : Amount : {$17000.00} To : Performance Savings, XXXX Deposit Date : XX/XX/2023 Fully Available On : XX/XX/2023 Availability Details : {$17000.00} on XX/XX/2023 It is nowXX/XX/2023, XXXX  business days later, and my account is still restricted and I do not have access to this money. I have contacted Capital One various times by phone and E-Mail and I have not received any clear indication of the status of this account. 

XXXX XXXX XXXX : XXXX E-Mail : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

XXXX & XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX has violated my rights. 

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 non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was recently informed that I did not Qualify for the Navient Cancelation of Private student loans. I feel that I should have qualified for the following reasons. 
I obtained my loans in XX/XX/XXXX. I had maxed out my deferral with Sallie Mae shortly after having repayment began because the payments were too high. I lapsed on quite a few payments. I was pressured into a payment plan to stop the harassing calls and bad reporting on my credit, Unfortunately the payment plan lowered my Monthly payments but it was at a negative amortization. I delt I had no choice but to accept a few times. And although I was told that they will stop the negative reporting on my credit with the new payment plan they did not. I called to inquire about it and was told until all back pay including the added amounts to the balance was paid they will continue to report it as late. This was not the way it was explained to me prior to signing up. I have only been just recently able to pay down some of the principal and I have been paying on these loans since XXXX. 
Also the loans are high interest and they refuse to allow me to refinance. I feel this is not fair. I feel trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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:
There were fraudulent accounts listed on my credit report and they were removed earlier this year. I just received notice that they Added them back on my account and wouldn't remove the accounts that were already deemed fraudulent.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: NJ
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:
The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. 

These accounts are fraud. 
XXXX XXXX  {$120000.00} XX/XX/2023 XXXX XXXX {$110000.00} XX/XX/2023 XXXX XXXX {$49000.00} XX/XX/2023 XXXX XXXX {$52000.00} XX/XX/2023 XXXXXXXX XXXX XXXX {$22000.00} XX/XX/2023 These inquiries are fraud. 

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} and written off balance of XXXX on Experian and XXXX just show written off as bad debt XXXX  Apps, opened XX/XX/XXXX the account also reflects multiple balance with is incomplete inconsistent and inaccurate This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately XXXX shows no payment history within the last 24 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I locked my credit file at all XXXX credit bureaus XX/XX/XXXX. I got my XX/XX/XXXX Equifax credit file and saw a company I do n't do business with : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I complained to Equifax. Response said was to call XXXX. There is no XXXX XXXX. at above address and XXXX XXXX. in CA said they did n't know about XXXX XXXX at XXXX XXXX. I complained again to Equifax. Response was some XXXX nonsense about XXXX doing a " soft '' inquiry into my credit file because I had some business with XXXX!! Equifax 's reply is a XXXX LIE!! I believe Equifax wants money for inquiries and other services. Since Farmers is probably a BIG money company for Equifax, Equifax looked the other way and ALLOWED Farmers to access my LOCKED CREDIT FILE!!! Equifax HAS NOT TOLD THE TRUTH ABOUT WHY THEY ALLOWED FARMERS TO DATA MINE MY CREDIT FILE. THIS IS WHY I GET SCAM PHONE CALLS FROM CALIFORNIA. XXXX HAS A INVESTMENT PRODUCTS LEADS GENERATING OFFICE IN CALIFORNIA, I WAS TOLD BY XXXX XXXX. EMPLOYEES. EQUIFAX IS TRYING TO MAKE MONEY BY PRETENDING THIS IS A " SOFT '' INQUIRY. RIDICULOUS! MY CREDIT FILE IS LOCKED BECAUSE OF SO MUCH ID THEFT AND SUCH. EQUIFAX HAS BREACHED THEIR OWN RULES AS TO CREDIT FILE LOCKING!! Equifax 's XXXX services helps firms target credit bureau data base people ( customers ) for financial services. I tried to complain by phone. All the staff are hiding behind secret phone numbers. Online help? A joke!! 
Your upload software will not let me open scanned files separately. I can upload ENTIRE scanned file which you only need XXXX scanned pages, not XXXX scanned pages. So, you ca n't see what Equifax wrote to me and credit file troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: MS
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I allowed my XXXX yr old son to use my Home Depot credit card to buy supplies for improving their home. I hadn't used the card in well over 6+ years. Agreement was he had to pay the charges on time. He continued to tell me all was fine. A few years later I woke up to a message saying my credit score went down over XXXX points! When I checked and found out it was the Home Depot card was delinquent so they applied the bad report to my credit report & score. I phoned the company, explained the situation and requested the remove some of the late fees and bounced check fees. Their current statement shows {$660.00} total fees plus {$1500.00} total interest charged in XXXX. They only took off {$69.00}. I paid them over {$5000.00} last month alone but they haven't reduced any more of the delinquent charges so I still owe them {$24.00} in fees and {$120.00} in interest with a balance of {$2400.00} I am paying them {$500.00} per month and have requested they reduce this balance further since I was totally unaware of these charges. They closed that credit card and opened a new one in my name at my current address and moved all the charges to my new account. I am retired and on social security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Receivables Performance Management LLC doing business as RPM has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Receivables Performance Management LLC doing business as RPM claims XXXX XXXX doing business as XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Receivables Performance Management LLC doing business as RPM claims XXXX XXXX doing business as XXXX XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Receivables Performance Management LLC doing business as RPM on XX/XX/XXXX and XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX doing business as XXXX XXXX XXXX action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX doing business as XXXX XXXX and Receivables Performance Management LLC doing business as RPM is now civilly liable to pay me for the 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 explanation
Consumer complaint received 2022-08-09
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:
XX/XX/XXXX of 2022 I submitted a dispute with XXXX 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, XXXX update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. XXXX along with the other two credit bureaus XXXX and Transunion is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]

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 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX CREDIT AGENCIES REPORTING ACCOUNTS " NOT MINE '' / OUTDATED REPORTING PAST 7YRS SINCE 2008 ... .. PUBLIC RECORDS/BANKRUPTCY AND XXXX LIEN, XXXX AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW FILE

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