BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
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: Account information incorrect

Complaint:
So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX XXXX part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly one hundred percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed 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 2023-06-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was never notified that I was a part of the class action law suit and I know I should be a part of it. I had an acccount in that time frame.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: NJ
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 3 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

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 2020-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got my information and used my accounts and even try to open accounts in my name, I contacted each one of my accounts and let them know exactly what was happening,, they had removed all the negative items from my credit report and now its back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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:
I have called Equifax on several occasions to fix my address. They have continued to repeatedly put the incorrect address on my report. This is like the 4th time im waiting on a correction of my report because i purchased a 3 score monitoring with experian so i can monitor my credit report but equifax keep intentionally putting the wrong address on my report. I spoke with 2 different supervisors to correct this information and today i woke up to XXXX and XXXX reporting the incorrect address that equifax reported to them. My XXXX and XXXX address were correct. Now equifax has sent the wrong address to these bureaus causing more delay in obtaining my credit scores. My correct address is XXXX XXXX XXXX XXXX, Arizona XXXX. Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX this is not an address clearly, they have also reported XXXX XXXX XXXX XXXX, this is clearly not an address. Please advise Equifax to stop reporting incorrect information intentionally, this is a waste of my money, i pay XXXX XXXX for a XXXX score report only to retrieve experian only because of Equifax incompetence to relay the correct information on their report. This blocks my score and is theft when im paying for a 3 score report. Please advise Equifax to fix errors and to report to experian and transunion the correct addresss which is XXXX XXXX XXXX XXXX, Arizona, XXXX This is ridiculous, unwarrented, and intentional because i spoke with the supervisors and they have the correct information and it was repeated back to me correctly. Im not understanding how can XXXX bureau intentionally blocks people report on purpose. It doesnt take 4 times to correct an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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:
I have send a previous letter with the fraudulent inquiry but it has not been removed from my consumer file. 
On XXXX XXXX XXXX XXXX was added to my file without my consent. Delete 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Reference # 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.

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 2022-02-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
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 received a letter from Navient stating that if I signed up for their student loan rehabilitation program and completed it, they would REMOVE the account from my credit report. I started the program in XXXX and completed in XXXX of XXXX. The loan was sold and transferred to another servicer. XXXX. I have since been making my monthly payments. 

Navient did not REMOVE this account and it's still reporting with negative information. This reporting is completely inaccurate AND should no longer be there according to the student loan rehabilitation program.This is deceptive and they should remove this as promised. This is hendering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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:
Last month I sent Experian XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the XXXX XXXX  with the balance of around {$3000.00} that I never opened up. Before my attorney and I take Experian and XXXX XXXX  to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this XXXX does not get removed because it was noted on the FTC report you removed everything else except for that one account just XXXX  pay you more money to rent space as a trade line Experian? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves XXXX XXXX now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that Experian likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.

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 2023-06-23
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/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 2020-04-27
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The total loan is {$5500.00}, we got it on XXXX, 2019, and XXXX we sing documents they said the interest rate should be some %, but we notified after 6 months doing payments of {$400.00}, each month, that the principal amount of the loan paid is only {$1700.00}, that means in 6 months we paid {$1100.00} in interest, I feel it is very high interest charge, if you guys can help to verify if this company are doing this high interest charge under the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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.

Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention to a billing discrepancy based on the interest charged on my XXXX XXXX XXXX Bank credit card listed as follows : Equifax : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my accounting for XXXX of the billing cycles, which show discrepancies between the average daily balance and interest rates calculated. 

The average daily balance for each billing cycle was calculated by adding up each end of day balance in the billing cycle and dividing that amount by the number of days in the billing cycle. 

The details of the discrepancy are as follows : The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$12000.00} APR : 15.99 % Average Daily Balance ( ADB ) : {$12000.00} ALLEGED ADB : {$12000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$170.00} ERROR ALLEGED INTEREST : {$170.00} ============================================= XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account statement has a discrepancy as follows : Starting Balance : {$980.00} APR : 15.99 % Average Daily Balance : {$2500.00} ALLEGED ADB : {$2400.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$33.00} ERROR ALLEGED INTEREST : {$32.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$6100.00} APR : 15.99 % Average Daily Balance : {$6800.00} ALLEGED ADB : {$6900.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$89.00} ERROR ALLEGED INTEREST : {$91.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$11000.00} APR : 15.99 % Average Daily Balance : {$11000.00} ALLEGED ADB : {$11000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$150.00} ERROR ALLEGED INTEREST : {$160.00} Upon a thorough review of my billing statements, I noticed a significant discrepancy between the alleged interest charged and the interest I expected based on the provided information. The interest on numerous statements I calculated using the data the furnisher provided differs from the amount claimed. To assist you in your verification of my calculations, I have attached copies of the relevant billing statements and calculations for your reference. 

Due to these accounting/computation discrepancies, all of the balances listed on this account are inaccurate and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: CT
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 continue to have problems with Experian and upon reaching out to Experian multiple times this week, I am not closer to any resolution and am now even further delayed as I can not even access my Experian account. I have tried through the website to obtain my username which they provide, input my password which states that no record is found under that username, tried to input my username to reset my password, at which point it states account does not exist. 

I have contacted Experians technical support team, inputted my social security number and have been transferred, hung up, and sent back to the Experian automated system countless times. I can not even access my Experian account to see if they made changes to the Experian errors on my credit file including credit score and late payment flag that is causing all of the problems to begin with. 

The other reporting agencies, XXXX and XXXX report excellent credit with scores in excess of 820, 100 % payment history for over 154 months and all open and closed accounts are accounted for. 

In Experians case, they report the same data with the exception that they have a Late Payment Flag under their Payment History that is Wrong! As both Experian and I have reviewed the Experian credit reports, there is not a single account that shows ever being delinquent, and yet this late payment flag is causing the scoring errors on Experian by over 100 FICO points. Additionally, this erroneous Payment history flag is causing Experian to list my payment history as Good Payment History when in reality it is Excellent Payment History. 

Experian refuses to acknowledge, resolve, and properly research the error. They should be penalized, fined, and censored for their lack of customer service, lack of professionalism by continually hanging up on customers, and lack of accountability for an ongoing problem that has not been resolved in a few years already. 

I would welcome the opportunity to work with the XXXX to get to the bottom of this as I know that Experians governance, policy & procedures, and processing controls are not in alignment and are causing irrefutable harm to consumers like me.

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