BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation o the following late payment is inaccurate. Please investigate and verify that all data for this account is reportin accurately including every notation date and balance whether reported or not. 
Account Name : XXXXXXXX XXXX Account Name : XXXX XXXX Account Name : DEPT OF ED/XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracgy and completeness of the information. I have read that this must be provided withing 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed withing 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Hauge Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hauge Group / Hauge Associates is marking my credit report like a XXXX tree for medical bills that are 1 ) NOT MINE and 2 ) NOT MINE & 3 ) it is against hippa law to collect on medical debt with medical information on there, this is a HIPPA VIOLATION AND IT IS ILLEGAL - lastly its fraudulent as these bills are not mine remove them from my credit report immediately THERE ARE 18 REPORTS OF MEDICAL BILLS YOU R TO REMOVE THEM ALL this is illegal and i will involve news stations and attorny generals office i demand them removed.

THESE ITEMS ARE FRAUD THEY DO NOT BELONG ON MY CREDIT NOR ARE THEY MINE AND THEY VIOLATE HIPPA LAWS AS I CALLED ON THEM AND THEY TOLD ME THEY ARE MEDICAL BILLS AND THEY ARE NOT EVEN MINE TO BEGIN WITH I DEMAND THEM REMOVED WITHOUT DELAY AS THESE ARE NOT MINE YOU AHVE NO RIGHT TO USE MY SOCIAL SECURITY NUMBER AND I DONT EVEN KNOW WHO THIS HAUGE COMPANY IS NOR HAVE I EVER USED THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Acct Name : XXXX XXXX XXXX  XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXXXXXX XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are indirect of several laws under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX XXXX XXXX - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law XXXX I have asked them to remove it on more than XXXX occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.

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 2023-08-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for account XXXX XXXX 

15 US 1681 Section 602 states I have the right to privacy.

( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: FL
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:
Equifax Credit Bureau reporting inaccurate information. I have disputed issues for over a year. To date, no fair resolution. 

Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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: Experian Information Solutions Inc.
State: AL
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2020-01-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I co signed " 2 " student loans for my son with Salle Mae who then became Navient. When he got to the top end of his loans he fell behind as the interest and payments went up. He ended up having to drop out of school cause he has other loans, a wife and XXXX children. We were harassed for years. One day a woman with a name like a flower  ( I don't recall ) said if he could pay {$98.00} I believe, they would combine his loans and start him over payment wise. I questioned her several times making sure that would be his " new payment for both accounts and she said yes. She told my son the same. WRONG! Big fat lie. What she was doing was creating a " 3rd '' loan that only covered interest and what he was behind. We found out because a week later they took his ACH payment for the 2 loans thus causing his account to overdraft. I called her number immediately only to be told there was no one there by that name. Yeah right. Finally we spoke with a Mr XXXX. He combined all the loans after my son told him I am XXXX and have health  problems. Mr XXXX told us both if my son would make 10 consecutive payments without being late, they would take me off the loans and out of their system. My son held up his part of the bargain and the loans stopped showing up on my credit report. UNTIL my son nearly cut the tip of his finger off and fell behind again. BOOM! Not only did they start putting derogatory remarks on my credit report, they split the loans back in to 3 loans. I had my attorney write them a letter and I stopped hearing from Navient cause they sent it to one of their subsidies XXXX XXXX. Attorney contacted them. Then I start getting calls from a XXXX who sent no letter like the Navient and XXXX but they called all the time but would hang up. I blocked them. I want the agreement with Mr XXXX to hold which means my son started paying on that agreement in XX/XX/XXXX which means as far as those loans are concerned I shouldn't even exist as of XX/XX/XXXX AND THERE SHOULD NOT BE ANYTHING to do with Navient or any of their subsidies!!!!! I know you know what I'm talking about cause you've been filing class action lawsuits against them for years. Just stay out of my credit reporting!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation o the following late payment is inaccurate. Please investigate and verify that all data for this account is reportin accurately including every notation date and balance whether reported or not. 
Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracgy and completeness of the information. I have read that this must be provided withing 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed withing 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: AZ
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 2023-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws, which have significantly impacted my financial well-being and peace of mind. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you will enforce the legal protections afforded to consumers like me. 

These violations have been carried out by multiple creditors and have resulted in severe damage to my credit profile. The consequences have been far-reaching, affecting my ability to secure loans, housing, and even employment opportunities. I understand that the purpose of the FCRA is to ensure fair and accurate credit reporting, and I implore the CFPB to ensure that these laws are enforced to protect individuals like me from unjust treatment. 

The violations I am disputing are as follows : 1. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) 2. Inaccurate Reporting and Unverified Accounts : - XXXX XXXX  ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX  XXXX ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) Furthermore, incorrect personal information has been reported, including incorrect previous addresses. 

The emotional toll this situation has taken on me can not be overstated. The constant stress and XXXX  of being unfairly judged based on inaccurate and unverified information have caused sleepless nights and a constant feeling of hopelessness. I have even lost out on job opportunities due to the tarnished credit profile that these violations have created. 

I kindly request that the CFPB thoroughly investigate these violations and enforce the necessary actions against the involved creditors. Specifically, I demand that the unverified accounts mentioned above be removed from my credit report as they are damaging my financial credibility without proper validation. 

I am confident in the CFPB 's commitment to consumer protection and fair credit reporting, and I am hopeful that your intervention will provide the justice I deserve. 

Thank you for your attention to this matter. I have enclosed copies of relevant documentation to support my claims. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX - Late closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
Trans Union Keeps trying to get me to pay for my annual credit report. If I try to get free annual credit report it keeps saying that an error occurred. I can't even view my disputes! This has been over a year!

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 2018-01-29
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2014 Santander Consumer USA reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and Santander failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Account status incorrect

Complaint:
My XXXX lease for a vehicle, account was paid in full and closed XX/XX/2023. It is still showing up on all three credit bureaus as being a delinquent open account. I am not able to lease another vehicle with any dealership because they are taking a look at my credit history and denying me off of this XXXX account. I have all information showing that the account was paid off and it's supposed to be closed.I have contacted XXXX for 3 months straight and I've made numerous disputes with all three credit bureaus and nothing has been done. XXXX is acknowledging that the account is closed but nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Wells Fargo has incorrectly marked my XX/XX/XXXX personal Credit Report as 30 Days late for XX/XX/XXXX. My statement date ( which is supported with credit card monthly statement ) clearly shows the statement dates of XX/XX/XXXX to XX/XX/XXXX. 
- The payment while late, was received on XX/XX/XXXX in the amount of XXXX, which covered the past due account. I was justly charged a past due late fee, but the payment was received exactly 28 days late. Not 30. Therefore the it is inaccurate and must be removed. 
- My payment Due date is not my statement billing period. Statement Billing period determines the credit reporting days of delinquency. I have attached my monthly billing statement for your review. 
- Please review the account, as a mere count of the calendar days will show the error and quickly resolve this dispute.

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 2021-02-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Good Day, I currently have student loans being serviced by Navient. 

I am being charged late fees with no explanation as to the time frame these fee were accrued. I paid XX/XX/2021 late fees as I did not want to accrue penalties, fines or risk a negative credit impact. 
I have received two email responses to this topic but have not been given answers that are detailed or specific to the issue. 
Here is the latest example of what I have received : Please note that XXXX billing statement shows another late fee, although I paid this last month. It seems to be an " on going '' late fee, irrelevant of whether it is paid or not. 
Thank you for any assistance with this problem. 

Navient Response : Thank you for reaching out to us regarding late fees. I am happy to assist you. 
A late fee is assessed on the XXXX day of delinquency. Commonly, the fee amount is 6 % of the monthly payment amount. 
The late fees will show as due until they are paid in full. 
You do not need to pay these fees at this time. 
Payments are applied to your account as follows : 1. ) Unpaid Fees ( if applicable ).

2. ) Unpaid Accrued Interest.

3. ) Unpaid Principal. 
If you have a FFELP loan in an Income-Based Repayment ( IBR ) plan, the payment goes first to Unpaid Interest, then to Unpaid Fees, and then to Unpaid Principal. 
The formula we use to calculate daily accruing interest is : ( Unpaid Principal ) x ( Interest Rate ) x ( Number of Days Accrued ) = ( Y ) ( Y ) Number of Days in the Year = Accrued Interest Best Regards, XXXX, Loan Servicing Specialist ref : XXXX : ref Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX

Company response to consumer: Closed with explanation