BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have written to the CRA and disputed the following negative items : XXXX, XXXX, XXXX & University XXXX XXXX. I have also written to each creditor twice and I have not gotten a response. I asked the CRA recently to please provide me with the info the creditor is submitting to them that is allowing them to continue to state that the debts are validated. Each is not responding except for XXXX who is using the XXXX as a collection agency who I informed via the phone to not contact and I responded to them in writing asking for debt validation they have not gotten back to me and The collection agency keeps calling 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 non-monetary relief
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA 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 2022-10-11
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted my previous complaint informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed XXXX XXXX XXXX, XXXX XXXXXXXX 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 2021-08-04
Company: Action Revenue Recovery, LLC
State: LA
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:
investigation took longer than 30 days, no results recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had a credit card with Wells Fargo for several years. When I first got the card, I had a 9 % interest rate. The company raised my interest rate to 17.4 % currently, antold me that it was due to a late payment. I went back thru several years of payments and never found documentation of them receiving a payment late. I complained to the better business bureau, and all that occurred was that Wells Fargo sent a document stating that I was paying the higher rate with no proof of late payment. The balance of my credit card has been quite high over the past couple of years due to my involvement in a civil law suit that has cost more than {$20000.00} in attorney 's fees. Subsequently, I have been charged an inordinate amount of interest on this account and I did not agree to such a rate, nor did I pay Wells Fargo late, thus justifying their increased charges. I have documentation of my timely payments over the past couple of years as well as copies of my complaint to the XXXX. My credit rating is over XXXX and there is no record of my paying my credit card late on my credit report either. Thank you, 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 2022-06-04
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2016-01-20
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Dear President Obama, and CFPB : I am writing you to plead for assistance. XXXX individuals like myself are facing a student loan crisis and although we are hardworking people we do n't earn enough to eat. Two and a half months ago I obtained employment after being laid off and unable to find work. Prior to XXXX 2016 I was residing on the streets and utilizing food kitchens to eat. Last month I began receiving calls at work from the Student Loan Collection Company General Revenue Corporation and as a result was put on verbal notice by my employer that any further collection call at work and I would be terminated. I informed General Revenue Corporation that I just began work 2 months ago and did not have the funds to pay them. On XXXX/XXXX/2016 I received notice that my wages are going to be garnished. I was informed by General Revenue Corporation employee XXXX XXXX that they did not need court permission to garnish my wages and it would be going into effect immediately. 
I currently make {$16.00} an hour and after the state takes my retirement, federal, state taxes, and health insurance I take home about {$1600.00}. After being homeless for quite some time I finally obtained an apartment in which I pay {$700.00} a month and {$200.00} in utilities. I am currently on payment plans with the Internal Revenue and State of Arizona for messing up on my taxes while I was homeless. I owe over {$50000.00} in student loans. The loan with XXXX/General Revenue Corporation is XXXX of XXXX student loans. The payment for the first Navient loan is {$320.00} and the second Navient loan is {$110.00}. The {$200.00} I have left does n't cover my food for the month because I use the money to put gas in my vehicle to get me to work. 
I currently do not make enough money to pay living expenses and all my debts. I am an example of the working poor. I have a job but do not have money to buy food. I do not qualify for state assistance anymore because I work and they do not take into consideration that I have many people in the process to garnish my wages or the bills I pay. 
When the garnishment from General Revenue Corporation goes into effect I will have to quit my job. I will not have money left to put gas in my vehicle to go to work or pay for any necessities. I will essentially be working for free at least when I was living on the streets the state was willing to provide me with medical coverage. I know that there are XXXX people like myself who do n't have money to eat because of their student loan debt. We have no options and nowhere to turn. I am requesting assistance. 
Warmly, XXXX XXXX Cc : Presiding Judge over case # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Information belongs to someone else

Complaint:
I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this. 

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT. 

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).

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 2022-06-04
Company: EQUIFAX, INC.
State: TN
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 5 employer listings that are not true and need to be deleted and 2 previous addresses that are not true and need to be deleted. Also 6 unauthorized inquires that need to be deleted. There are also accounts that are not mine and accounts I want validated see letter of explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I submitted a written request to Experian to delete all other names other than my legal name, social security number and addresses with attached proof, it was denied stating it needs to be on record. The information they have is inaccurate and have provided all necessary documents needed to make corrections. Furthermore I disputed an collections account that is not mine I have resolved the issue with XXXX, they are stating the collection account is mine but XXXX fraud department has investigated and declared the account as fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I compared my experian report to that of a friend of mine. Both of us have collections on our experian file. When I compared the XXXX files, her collections are scheduled to come off between 4 and 5 years from the date of the collection and mine are scheduled to come off between 7 and ten years from the date of the collection. She has lot more collection and negative information on her credit file with experian and her credit score is higher than mine. The only difference between the XXXX of us is that she is a XXXX year old XXXX female and I am a XXXX year old XXXX female. It is not fair that her collection accounts are scheduled to come off between 3-6 years from the date they were reported and mine are between 7-10 years. For example ; I have a collection account that was reported in XXXX and it is scheduled to remain on my credit file until XXXX. She also have a collection file reported in XXXX and it is scheduled to remain on her credit file until XXXX. I have copies of both reports and all of the collection accounts have similar discrepancies and differences on both of ours where her unpaid collection accounts are scheduled to be removed a lot quicker than mine ; XXXX of our collection accounts is the same creditor ( XXXX XXXX Bank ) and its the same scenario as far as when the negative information is scheduled to be removed. I am not understanding why the difference in the removal time, from my understanding negative information remain on file the same amount of time regardless of who the consumer is. It seems as though it may be a difference based on discrimination. I have copies of both reports and I will send them in with the differences highlighted if necessary. I want to know why there is such a difference as to why my negative information stay a lot longer on my credit file, making it harder for me to repair my credit and raise my credit score than it does for another person in a very similar situation than mine. The only difference between the XXXX of us is that she is a XXXX female who is XXXX years older than myself. I have the hard copies of the credit report that I plan mailing to the investigator assigned to this complaint as soon as I hear a response from this bureau. Again I would like to know the difference and why some consumers such as myself have a longer waiting time for negative information to be removed than others. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: NE
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:
Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Im not sure where to even start. I went to XXXX and was constantly pulled out for non payment of the XXXX loan. But the main reason Im messaging today is Navient. They would never lower my monthly payment no matter how many times I showed that I could n't make that payment. So instead they would always offer forbearance. I was young and XXXX and by myself so I took the only option I could. That has seriously effected the last 7 years of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: NE
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:
Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.

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 2015-09-26
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Dear Sir or Madam : There was delay in repaying my account with XXXX XXXX, now Navient, and other accounts during the year XX/XX/XXXX - XX/XX/XXXX, because my household income went from XXXX incomes to XXXX. 

However, when I was able, I made arrangement with XXXX XXXX and made a payment of {$2600.00} starting XX/XX/XXXX and a monthly payment of {$120.00} until today. 

According to my records, I am current on my payments as of my last statement for loan # XXXX on XX/XX/XXXX. My current payment is {$120.00} per month and my balance is {$17000.00}. 

According to my credit history no changes had been made to my credit report and the account # XXXX is in a Charge-off status when it should show 'in payment '' as agreed. 

In addition please rescore my bureau score to align with the corrected credit report file. Please send edited version credit report to my address XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : i contacted them 2 times XXXX/XXXX/2016 & XXXX/XXXX/2016 they never responded to me. 

1. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The information is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX 5. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

8. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The information is incorrect for the following account XXXX Account Number : XXXX Please remove it 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 2016-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment

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 2017-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a BK XXXX that was filed in XX/XX/XXXX. 
We subsequently filed a Ch. XXXX in XX/XX/XXXX and paid it off in full. 

However, we went before the court in XX/XX/XXXX and went before a judge and was granted the removal of the Ch. XXXX since we went for a ch. XXXX. 
We are requesting that the Ch. XXXX be taken off of our public record part of credit report. 

It is the only negative mark Thank You 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