BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
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 am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

1. High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, '' while the second report lists a high balance of " {$7100.00}. '' This inconsistency raises concerns about the accuracy of the reported information and the actual highest balance associated with the account. 

2. Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$14000.00}, '' while the second report lists the balance as " {$7100.00}. '' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance. 

The inconsistencies in reporting, particularly in the payment history section, further highlight the need for a comprehensive investigation and correction of the credit reporting for the XXXX XXXX XXXX account. It is essential that the credit bureaus rectify these discrepancies promptly and ensure the accuracy and completeness of the reported payment history. 

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: MOHELA
State: CT
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:
Mohela is the servicer of my federal student loans. I was set to begin loan repayment on XX/XX/XXXX. The payment did not post, so I checked the Mohela website. I did not receive any email notifications about my payment. On the website, I had a letter stating that my account was put into XXXX XXXX, ending XX/XX/23. I did not request this forbearance and was not contacted about it. Mohela 's website says that wait times are very long, and I see other reviews online that calls are taking about 2 hours to try to deal with this, and that Mohela is offering conflicting information. I work all day and do not have time to chase my federal student loan servicer for hours. They are failing to do the bare minimum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2023 I received notice that XXXX XXXX closed my credit card account with them and also reported it delinquent to all three credit bureaus without any prior notice to me. I have been making multiple on time payments every month and the account has not been late in over 10 months. I have reached out to XXXX and as usual they have been unresponsive. They also fail to report to the credit bureaus on time and due to their app never working properly they have caused me to miss payment in the past that have also affected my credit. When I reached out in the past it would take weeks or months to get a response from this business due to their high volume which again would make it impossible to make payments on time. I have my bank statements that can verify that payment have been made on time and emails from XXXX  that would show the account was not delinquent. There was a {$1000.00} and I had {$700.00} left to pay before they closed the account out and I had been making payment on time!

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 2022-08-14
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is violating FCRA Section 623 ( 5 ) ( A ). This account has been illegally re-aged. Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA This account needs to be deleted from all credit files it resides on 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 explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I notice an account from XXXX XXXX XXXX  that wasnt opened by me, affecting my credit score as the status of the account is now charged off. I want it off of my credit report because I didnt open the account myself and it is affecting my ability to apply for an FHA home loan during these tragic times.

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 2022-01-13
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This bill is a result of an error in the processing of the claim as pursuant with my health insurance I filed a complaint with the XXXX XXXX XXXX XXXX and informed the collection agency of my actions and my dispute. The XXXX XXXX XXXX XXXX has sided with me and has requested the insurance company to reprocess claim without copay they have requested XXXX days I have sent this information to the collection agency and received a response saying they denied my dispute and plan to continue with the collection process and place the collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: National Credit Adjusters, LLC
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: Was not notified of investigation status or results

Complaint:
This negative debt is on my credit reports. I do not know this company and have sent them a validation letter which was apparently ignored. I've attached all documentation. 
Please have this removed from my credit reports as it is adversely affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX/XXXX/XXXX I wrote Trans Union a letter asking them to update my personal information accordingly and until this date they have yet to correct it ...

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 2023-06-20
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2019-12-13
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:
I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( Experian, XXXX and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted XXXX XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter onXX/XX/2019 which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my Experian, XXXX and XXXX file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.

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 2023-11-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been XXXX nor XXXX nor XXXX days late or late at all all the following accounts. 

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS : 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 Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated 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 DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} 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 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Kohl 's Credit Card makes it difficult to pay your bills without your actual card. I misplaced my card in 2019 due to taking care of my XXXX XXXX. I always called to make payments, but numerous times I was put on hold by XXXX for longer than 15 minutes. When I tried to call corporate, I was not able to get through since I did not have my card number. By the time I ordered my replacement card, my bill was reported late 30 days. This happened again the following year. 

They also make it difficult to log into your portal online as they have a Credit Rewards program and a Kohls XXXX XXXX which look eerily similar but do not link each other 's information. On top of this, I never received any bills notifying me of the payment nearing a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and I want it investigated and removed from 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 non-monetary relief
Consumer complaint received 2017-07-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Navy Federal Credit Union will not let me resolve issues via their telephone teller. This ahs prevented me from accessing my accounts and paying bills in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: UT
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:
Last year around XX/XX/XXXX, I noticed a hard inquiry has been reported against my XXXX  credit report, first I tried to dispute online, along with a XXXX  XXXX account which is not belonged to me, however their website keep saying errors and online dispute was not able to be done at that time. 

Then I called XXXX  after I tried several more times with online dispute, they said they will investigate that issue and suggested me to contact XXXX XXXX & will investigate for that hard inquiry I have never authorized. 

I called XXXX XXXX and they said because I am not their customer, so they are not able to do anything and suggested me to wait for the XXXX  's dispute result. 

At the time, we have activated a fraud alert and credit report freeze. 

A year later, I believe the fraud alert and report freeze has been expired, I look up my credit report again, found another inquiry occurred at XX/XX/XXXX which I have never authorized again, and the hard inquiry that made last year still there, along with that XXXX XXXX 's credit card account which is not belonged to me. 

Therefore, within the whole year, XXXX  did not do anything to fix those 2 issues. 

I have submitted disputes for those 2 hard inquiry, however, when I tried to dispute the XXXX XXXX credit card still saying errors for the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.

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 2023-01-05
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX TXXXX 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

Company response to consumer: Closed with explanation