BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contact XXXX, XXXX  and Experian and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.

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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputed this Account on many occasions with XXXX, Transunion and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show 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 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my balance in full and capital one continued to charge me interest and can not prove why after paying off the balance I was billed more interest. I asked for a manager in the escalation department and was refused. I spoke to XXXX and she told me that her manager XXXX does not speak to customers, I was not assured that I would not be charged interest on the current interest capital one has assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I wish to make a formal complaint regarding the " Robocall '' policies of SLM Corporation DBA SallieMae. I am the cosigner of a student loan taken out by my daughter. Due to a banking hold on a deposited check, a payment was missed, via automatic payments. I received two robocalls on Sunday XXXX XXXX, XXXX at XXXX XXXX and XXXX at XXXX XXXX. On Monday at XXXX XXXX, I called the number proffered in the robocall and spoke with a customer service representative. At that time I questioned a robocall being received on a Sunday evening. Never the less, I explained the situation and arranged to make a payment bringing the overdue amount owed to zero. To my dismay, over the course of Monday XXXX XXXX, I received a total of seven additional robocalls. All after payment had been arranged. Robocalls came in at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and at XXXX. I believe their robocall policy is abusive to consumers. I called them twice during the course of the day once at XXXX and once at XXXX. Each time I complained about the continuing robocalls, and their inability to stop them. Also, the customer service representative 's inability to offer an escalation name or phone number to elevate my complaint to. On one call, the representative even refused to provide me access to a supervisor. I think SallieMae 's service policy to not empower representatives the ability to stop the robocalls after payment has been provided is a questionable business practice. I think a robocall policy that allows nine robocalls in essentially XXXX twenty four hour time span is abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX Account Number Num : Balance {$640.00} Dear Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXXXXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion I do not recognize these transactions credit was pulled multiple times when it should be pulled once by some institutions

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contact Transunion, XXXX  and XXXX  and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.

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 2020-08-12
Company: Experian Information Solutions Inc.
State: MD
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:
As a consumer I am doing everything to keep my credit score high. On XX/XX/2020 I get an email that my score went up to XXXX. It said I had no negative factors affecting my score. It says low revolving debt and no late payments. It shows how much I owe in credit card debt {$170.00}. The total amount of debt of I owe is {$500000.00}. I have a student loan, home and a car. For the last 2 years the debt total has been this high but I have been paying on time, so I don't have any negative marks on my credit. On XX/XX/2020 I got an email saying my score went down 25 points. I have a screenshot of the report. it doesn't say why it went down but My credit card debt went down to {$0.00}. The total debt I now owe is {$500000.00}. Ince I complaint, my profile was updated to show " what is hurting my score is loan balances. " The remaining balances on your installment loans is too high '' .This should not effect my credit in a negative. So I called Experian. I have been keeping up with all my payments so I don't understand why it went down. They said I needed to contact XXXX   score. Then I called XXXX Score and they said they have nothing to do with Experian and Experian has their own scoring system which is called XXXX XXXX  XXXX. Then I called Experian and they said because I have have a high amount owed to student loans and my house. But I have the same amount of debt and I had a score of XXXX XXXX weeks earlier. They said the system does the scoring. This is bad practice and illegal activities. They need to be investigated. They then updated my profile 4 times in one day. But i was told they only update once a month.. 
The problem here is that with the same total debt, experian is giving me 2 scores. Please help fix this problem

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 2015-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In 2007, I was a victim of identity theft. As a result, the IRS charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the IRS reported the tax liens to the XXXX credit bureaus. After several years of disputing the debt with the IRS, and with the help of the IRS Advocacy group, the IRS conceded that I did not owe the debt and removed it from my file. However, they refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get the bureaus to remove it, but because its the IRS, they do n't want to do it. I finally called the IRS Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force the IRS to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at one time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contact XXXX, Equifax and XXXX  and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i filed a dispute for XXXX transactions that was made by someone whom had illegally obtain my card information. i reached out to XXXX of the merchants XXXX of them said the room was in a man 's name using my card information. The other merchant delivered goods to an address i dont know. XXXX XXXX and do not use XXXX almost never and there was XXXX  charges made that i did not make. They told me they investigated and there was no error that occurred. If they properly investigated they would have found out the same information I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a hand written letter to Experian dated XX/XX/2016 requesting verification ( consumer disclosure ) of XXXX of my student loan accounts in which the debts have been re-aged repeatedly for more than a decade. As of XX/XX/2016 there has been no response to my request, and the accounts remain. Numerous missed payments are reported continuously, while the date of first delinquency is approximately fifteen ( 15 ) years ago. 
I had the letter notarized on XX/XX/2016 prior to mailing by an officer at my local bank. Copies of all are enclosed for your review. Relevant pages from my current credit report dated today, XX/XX/2016 are also attached. 
I would like to request that these accounts be deleted so that I will no longer be illegally and unfairly punished by Experian.

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly asked for validation of this debt from XXXX yet never received paper work showing that I had a signed contract with them as well as what all the charges are for. When view results keep saying that it remains.

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 2022-01-28
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed an ac count, held by the U.S. Department of Education, being rep orted on my  XXXX  and Experian credit reports multiple times ( mostly recently on   XX/XX/XXXX  )   without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with the  U.S. Department of Education  on    XX/XX/XXXX      and as of this writing,   XX/XX/XXXX   ( more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed a s  XX/XX/XXXX , but  the  'Date First Reported '  is listed as   XX/XX/XXXX , a nd at that time they claim the account was already in collection status. Neither the   U.S. Department of Education   nor  XXXX  or Experian have provided me with the 'Date of Default ; ' therefore, this account has not been proven to be mine, nor should it be listed on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people are calling me about a debt I never heard of. On top of that they say there is XXXX debt from 2007 and XXXX from earlier than that. XXXX past SOL, IF they were my debt to begin with. I want this company to cease and and all communication with me ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: OH
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 read Experian 's response to my complaint dated XX/XX/2020. Yet my question wasn't answered about them claiming I have 1 delinquent account " hurting my score. '' I received Experian 's credit report by mail. The credit report is absolutely correct, with 100 % of the accounts in good standing and zero accounts are delinquent. I thought for sure Experian would update my profile. I have a monthly active membership with Experian so I figured I would log in to see. Sadly, here is what I found on my profile page with experian : XXXX Serious delinquency You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. 

Number of your accounts that were ever 60 days late or worse or have a derogatory indicator 1 account The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO Score. Most late payments stay on your report for no more than seven years.

Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report. 


Few accounts paid on time You have few accounts that are in good standing. 

Number of your accounts currently being paid as agreed 7 accounts The FICO Score considers the number of accounts showing on time payments. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

FICO High Achievers have an average of 6 accounts currently being paid as agreed. 

XXXX**** Let me make it simple. Do I have a serious delinquency? True or False?

Is your credit report that shows I have zero delinquent accounts accurate? True or False? Side note : I keep my own records, I have never been delinquent in my entire history, and Experian 's report indicates that fact correctly. 
You say, " FICO High Achievers have an average of 6 accounts currently being paid as agreed. '' Is that statement true or false? I ask, because I have 7 account in good standing, which is MORE than 6, but still somehow it is " hurting my score?? '' Thank you in advance for clarifying the contradictory statements in my Experian credit profile and then correcting them to be accurate and non-contradictory.

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