BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
They say credit file is to thin or not scoreable. 
I'm retired I've worked all my life. The information they are using is not reliable and perhaps not updated. I read that during the pandemic and after ; the information they were using was not accurate for credit reporting and credit score. 

At my age, you are not constantly buying or making many big purchases. 
I am trying to rent a apartment and I am constantly denied. 
Back in 2018, the apartment complex I was living in said I did not give 60 day notice. 
I told them I would not be renewing lease due to my XXXX XXXX problem and then I moved out without sign lease. 
And after moving I was able to find apartment within days. 
Then they kept sending me letters saying I had a balance and they put this on my credit report.And now I'm constantly not being able to rent an apartment

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 2023-04-15
Company: Experian Information Solutions Inc.
State: IL
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 " XXXX XXXX XXXX' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: GA
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:
You claimed that the account was confirmed as being accurate. Please explain how you verify that the collections you are reporting with a past-due amount are accurate. I'm not requesting your help in finding out anything about me, including my address. Please describe in detail each step taken during this entire investigation and how long it took. 

Please provide me with the name, contact information, and email address of the associate who oversaw this inquiry. 

XXXX XXXX XXXX : XX/XX/1996

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had to take out a Private Student Loan with Sallie Mae, because I did not qualify for a Federal Student Loan. I XXXX  in XXXX of 2022, and was married that month as well. They will not help with lowering interest rates, or lowing the monthly payments. I had called and disputed as well as my husband. Our monthly payment is {$770.00} a month for 15 years. I just started working as an XXXX XXXX. They said there was nothing they could do to lower it or help us out. I had discussed this with our accountant for tax reasons, and he then explained that Sallie Mae is a loan shark company. There is no way we can afford that monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: NV
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 ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/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 2023-04-15
Company: Experian Information Solutions 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-04-15
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: IL
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:
Im complaining about an unauthorized inquiry that was established on my credit report on XX/XX/2022 from XXXX XXXX. Ive been trying to get this inquiry removed off my report for over year to no avail.I was finally informed by Equifax that my previous FTC report was inaccurate and that I had to file another one.I have no open account associated with the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
in XXXX I was rewarded a discharge XXXX  XXXX. My debt was cleared except for Navient Solutions. Considering they are a private lender the bankruptcy order will clear and granted this debt to be discharge. Navient Solutions disregarded the order and proceeded to mislead/ call/ harass me into the debt. I have documentation of Navient affecting my credit after the bankruptcy which is fraud. I went to XXXX XXXX were mis practice of false predatory loans. 
XX/XX/XXXX, I reopened my bankruptcy to petition Navient now this third-party aid vantage for the debt discharge and being sold to the third party this is illegal and misuse of my information exhibits I have enclosed in the case will be provided in the documents and letters of communication of the judge. pursuant 1638 ( e ) ( 7 ) My truth and lending rights have been violated and the debt has been sold to a third party to a debt that has been discharges two years prior to consolidating. i will be updating the CFPB after I win this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Here is dispute info I sent two months ago I have no printer so I could not use form sent but answered questions best I can numbering them as per form What other info needed as I contest this decision and want it reopened Dispute Info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX RE XXXX {$3.00} XXXX {$17.00} XXXX {$3.00} Dear Sir : I have no fax or printer so I am consolidating above three requests from DOCUMENT Letters sent to me by email. 
Since there is no available Capital One email I can use I can not photocopy form replies requested so I will do so here Questions asked : 1. The merchant billed overage as stated above 2. Yes I emailed XXXXXXXX XXXX many times different depts and asked to pass to ADMIN. After many email, they asked me to come into their customer relations dept to discuss (! ) I work and busy and can not afford to take day off, travel to hospital to discuss minor overcharges above 3. see # 2 4. I have no printer so I can not attach photocopy of receipts from hospital as requested I can do this if Capital One email is provided to me XXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I took XXXX XXXX XXXX in XXXX XXXX. Since XXXX XXXX my account was set upfor Autopay and the payments were going through every month without fail. In XX/XX/XXXX for some technical reason not relatedto me, Autopay didn't go through for XXXX and XXXX of XXXX ( I later in XX/XX/XXXX learned from XXXX customer service that autopay was disabled by the XXXX due to a sales tax increase by the government resulted in an increase in my monthly payment ). I cleared late payments as soon as I was made aware of the issue in XX/XX/XXXX and re-enabled autopay. This was reported to the credit bureau and it is affecting my rating very badly even though I have been a loyal customer of XXXX and made all payments on time. I tried contacting XXXX customer care and they didn't help me with this. On XX/XX/XXXX I was transferred to the Credit Reporting department by the customer care team ( I might have gotten the name wrong ) and a lady spoke to me from that department, acknowledged my payments were set up for autopay and observed a similar issue ( of autopay not going through ) with other customers with autopay enabled for more than a year. She guided me to report the issue to the credit unions and she suggested attaching the autopay statement from XXXX whichwassent to me by her. For some reason, XXXX didn't acknowledge this issue on their end when XXXX and Experian contacted them. As you clearly see auto pay not going through is not in my control. Yes, I could have realized this sooner but I was going through a COVID situation for myself and my family around that time which kept me busy. In the month XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims they tried calling me several times but I didn't see any voicemail evenif it is assumed I have missed their calls due to the XXXX situation I wasgoing through.Please help me with this. I tried explaining this to XXXX several times and they didn't show any empathy about XXXX  situation I was going through and the fact that the autopay disablement was due to XXXX 's reason. I have attached additional evidence about the XXXX and health situation along with the autopay-enabled email.

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 2024-01-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My issue involves ALL credit card companies. I have discovered that when a person receives a refund to their credit cards for purchases, the interest is not corrected. While reading my XXXX XXXX XXXX XXXX card statement, I realized the interest charged for a purchase was not reversed when I was issued a refund. I called customer service and questioned the action, or lack thereof, to which the agent agreed and provided a refund for the charged purchase 's interest. I recall this taking place once before with my XXXX XXXX card. Typically, customers are only concerned with the money being refunded by the company the purchase is made from, and do not pay attention to the interest charged by the credit card companies. Not reversing the interest charge for refunds is allowing credit card companies to collect thousands of dollars from unknowing customers. I have not contacted my other credit card companies. Although, I would like to go back to the inception of all of my cards and ensure the interest has been reversed for all refunds I have received. I am requesting a higher investigation into this matter as many credit card companies will charge customers for statements past a certain point, which is also unfair.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX ha violated my rights.

15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2023-04-14
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:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ha violated my rights.

15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX credit card Paid off in settlement The balance is now XXXX Experian is showing account paid written off XXXX which is not true. 

I have a letter from XXXX showing current balance owed is {$0.00} And no written off of XXXX Experian once again showing false 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 2023-03-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Under 1681 a ( 2 ) ( 1 ) under exclusions and15 USC 1681 s2 I feel my rights have been violated. 

I had a loan from the department of education to attend XXXX. After I had already been paying on the loan, XXXX recalled the loan from Department of education and sent {$2400.00} to XXXX XXXX for collection. 
I requested then and am requesting now a copy of the original loan. 
My loans is also reporting conflicting amounts on all three credit bureaus because of this. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Account number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Account number XXXX XXXX XXXX Expwrian Dispute Department XXXX XXXX XXXX XXXXXXXX Tx XXXX 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 2023-04-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting XXXX account late XXXX XXXX to XX/XX/XXXX In addition, they put I made a {$510.00} on XX/XX/XXXX payment on the account which I never made. 
Reporting the account is open when it is closed. 
This account is 7 years and 4 months old. 
They keep changing information to try to destroy my credit. 

Frauded and sold a bad car bXXXX XXXX XXXX XXXX  XXXX, OH. 
Promised when i turned in lease car fees would be waived but they lied and didn't waive anything and stuck me with a not realistic balance. I ended up putting a engine after only 9 months of owing the car in the amount of XXXX to replace the engine. 

Experian and XXXX are providing fraudulent information 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 2023-03-19
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has been sending me collection notices in the amount of {$51.00} Account # XXXX, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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 fraud alerts or security freezes

Complaint:
Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT XXXX XXXX XXXX XXXXXXXX ExperianXXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT 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 non-monetary relief
Consumer complaint received 2023-03-19
Company: Diversified Adjustment Service, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Services Reference # XXXX has been sending me collection notices in the amount of {$750.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation