BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
NOTICE OF INTENT TO SUE EXPERIAN and XXXX XXXX Chief Executive Officer.This letter serves as a formal notice of my intent to file a lawsuit against EXPERIAN.

YOU Experian have aided this Fraud by not verifying these accounts. XXXX and XXXX Deleted the fraudulent account. Congress states 15 USC {$1600.00} Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. RE : XXXX account # XXXX and XXXX. 
Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card FTC identity theft Report Local Police report CC : XXXX XXXX XXXX in the XXXX XXXX XXXX neighborhood, CA, 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 2017-05-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed about  15k i n   XX/XX/XXXX   to attend  XXXX   XXXX   XXXX   XXXX . At the time the loan was borrowed, the leander was  XXXX . Before  Navient  took over i had abou t 9k le ft on my loan. I just dont see how my loan as of   XX/XX/XXXX   is closer to  10K no w. Seems like my loan just keep getting bigger.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email saying I owe this debt. Never heard of nor had any interactions with this Hospital or this debt collector! Please assist in the removal of this negative and erroneous information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The purpose of this complaint is that Experian has disregarded my request in providing me with appropriate documents showing validation on the disputed accounts. I do not recall having a contractual agreement with the disputed accounts. Since validation can not be made under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- the agency is required to " ... promptly delete all information which can not be verified. '' Thank you very much for your help regarding 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 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this off for a pay to delete. Late payments are 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 2016-03-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed XXXX XXXX XXXX with Experian on several occasions due to the numerous errors reported. Most recently, I checked the update of the last dispute to find that not only was the same information there, but that they are now being listed as a Collection in XX/XX/XXXX and XX/XX/XXXX. This account was paid off in XX/XX/XXXX. I called and spoke with an Experian representative on XXXX/XXXX/16 to find out what was going on and was told that this was the information reported from XXXX. I asked her how it could possibly be a collection in those months when it clearly stated it was paid and got the same response of how they can only report what they are sent, essentially making their " investigations '' irrelevant if all they are doing is reporting what they are given without actually reviewing it for accuracy. Since this call to Experian was made after speaking with the representative from XXXX, XXXX XXXX, I already knew that their stance is going to be that they provide the correct information and it 's the CAs that report it wrong over and over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this off for a pay to delete. Late payments are 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 2017-05-17
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The banks processing of transactions is always a day  or two beh ind which can lead to false account balance. Also rather than take foreign ATM fees out immediately they wait till statement ends and add them all together and if you do n't have the money in your account to cover them charge you overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
The disputes have been resolved since XX/XX/2021 but it was bought to my attention, the dispute verbiage is still reflective My dispute has been concluded for quite some time I would like the dispute verbiage to removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: GA
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:
The account is inaccurate and has not be Verify, Theres is no legal sign contract by me and company has fail to provide proof of me owning this debt and it needs to 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 explanation
Consumer complaint received 2017-05-17
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Adding fees to dept without the proper " Expressed '' signed financial policy of the  Client they  represent, along with deceptive and misleading documentation. The agency, Receivables Management Systems letter sta tes one thing and the Itemized bill from their clients states another.      The FDCPA and FTC states that a debt collector  may attempt to collect a fee or charge in addition to the debt if the charge is " expressly '' provid ed for in the contract creating the dept and the charge is NOT prohibited by state law. Their  Client where the services took place is located in PA as well as myself. The state of PA the law states that in order to charge any fees, it must be expressed as to how much the consumer will be charged, their Financial Policy does n ot.     I requested an Itemized copy of the bill as well, the bill does not have these fees itemized. The collection letter from the company states   one amount and the itemized bill states another amount. The letter from RMS states " Other charges ''.
Under the FDCPA it is unfair to consumers to hide the true character of the debt, there by impairing their ability to knowledgeably assess the validity of the debt. Therefor they did not comply with the FDCPA 807 & 808 which would be to itemize the various charges that comprise the total amount of the debt.       It is the duty of the collection agency , RMS, to be  aware and understand their clients  Financial Policy when it comes to adding fees to debts. In this case the Financial Policy not " expressed '', and the itemized bill and letter are misleading and deceptive.      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 2016-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Experian to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Experian 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 explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
State  of   XXXX   XXXX   XXXX   XXXX   file d a tax lien for approximately {$5700.00} against me in  XXXX   XXXX . I submitted documents to    XXXX   XXXX   XXXX   to establish that I was not a c itizen for tax year  XXXX  and as such did not owe any income tax. In  XXXX ,  XXXX , the  Office of Taxpayer Advocacy fo r Alabama intervened on my behalf to have determination that I owed tax rescinded. Thereafter,    XXXX   XXXX   XXXX   XXXX    submitted paperwork to  XXXX  Alabama court to have lien " released ''.     However, the mere act of lien being filed was detrimental to my credit score. A subsequent status of " released '' will linger on my credit report for  seven yea rs. To remedy this problem, I submitted Taxpayer advocacy documentation evidencing this error made  by   XXXX   XXXX   XXXX   t o Equifax,   XXXX   and   XXXX  .   XXXX   and   XXXX   promptly removed any mention of tax lien from my credit reports ( Please see attached  XXXX  investigation report ). As a consequence, my credit scores increased substantially.     Unfortunately, Equifax has chosen not to remove this tax lien from my credit report. I provided Equifax with letter I receiv ed from Taxpayer Advocacy along wit h business card of revenue agent who can verify particulars of case. It appears from the generic form letter I received from Equifax that no substantive effort was made to investigate this matter.     I am requesting CFPB 's assistance to have this erroneous tax lien removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this account when I received an alert that it reported to my credit report. After some reset I learned that it was an alleged debt from  XXXX   XXXX . I requested validation of this debt. I have not had cable in well over 10 years with  XXXX . I need the original billing so I can take to necessary steps to file a police report for identity theft. It has been well past the 30 days and I have yet to receive any kind of documentation this is a valid debt for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i review all XXXX credit scores on a weekly basis. On XXXX XXXX, I noticed my experian score dropped XXXX points to a XXXX and yet my XXXX and XXXX rose by 3-4 points each respectively. I called experian and spoke to 3 reps who passed me off to one another. All 3 reps could not tell me why my score dropped. The final rep was a supervisor, very nice, but she said this looked like a mistake and that I needed to send a copy of XXXX and XXXX reports to their dispute department, so i did. The dept responded back to me with some 'canned ' pre-written decline that all XXXX bureaus worked differently. I have spent almost 3 hours trying to resolve this. I have excellent credit and all I am asking for is fairness. Why would my score drop XXXX points on the Experian report yet rise XXXX pts on my other XXXX reports. Experian MUST provide a valid reason for this and as of now, they have not and it appears they are refusing to admit a mistake. 

Thank you for this wonderful service by the way.

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 2022-04-19
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 status incorrect

Complaint:
Equifax shows a consistent credit score of XXXX or above for me report. I have verified with Equifax directly and gone line by line on each item of my credit report and have the copy of the report. XXXX XXXX XXXX XXXX did a soft pull and shows my credit score from Equifax at XXXX, a XXXX point difference. A few months back, it also showed a XXXX despite me verifying everything directly with Equifax. Another lending institution pulled my credit and again, the lender got a XXXX but when I called to verify with Equifax, they show high XXXX 's. 

I can not get an answer from Equifax as to why multiple banks are pulling my score and they keep getting a XXXX when my score with them reflects XXXX or above. Equifax directs me to the banks. The banks direct me to Equifax. This has cost me money in higher interest rates, and I'm now being denied loan products because my score keeps coming back at XXXX. 

Confirmation # provided Equifax : XXXX Credit Report Identifier provided by XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2020 I paid both my XXXX accts - last four digits XXXX & XXXX. 
The customer rep applied both payments to XXXX ( first issue ). I requested the {$31.00} credit be applied to # XXXX - it never happened ( second issue ). 

I then recvd a credit balance check from XXXX for {$31.00}, after requesting the credit balance be applied to ( XXXX ), and at this point I knew something was wrong. I called in again, and find out my acct XXXX was ( 30 ) days past due ( third issue ). XXXX had the payment & never applied it to the correct account ( XXXX ) All of this started with customer agent misapplying a payment, it got worse when the {$31.00} credit balance on acct # XXXX was never applied to acct # XXXX. 

All of my FICO scores fail by XXXX points ... a LIFETIME of effort to obtain XXXX FICO scores wiped out by XXXX error XXXX I've sent a half dozen letters attempting to get someone to look at y situation, and all I ever get is a form letter - never any " live person '' assistance. 

This issue has affected my business, due to lower scores I've been denied credit on several occasions. This has affected my family finances and my XXXX well being, as well as my physical health - XXXX XXXXXXXX XXXX XXXXXXXX - losing XXXX FICO scores is a life/ business changing dilemma. 

No one at XXXXXXXX XXXX seems to care, and that is the worst part of all this- i am voiceless to XXXX ... at some point common sense & humanity should take over to resolve " one off '' situations like this. 

Please see my situation & help the madness be corrected. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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 got a change in credit score from XXXX XXXX saying I owe over {$20000.00} in loans. Report was by XXXX. I dont have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
Dear sirs, I have recently reviewed my credit report and noticed credit inquiries that I didnt authorize.

Im filing a formal complaint to have these inquiries removed from my credit report, as they are negatively affecting my credit score.

Below are the inquiries that I didnt request nor authorize, and that are therefore fraudulent and should NOT be listed on my credit report : -XXXX XXXX from XX/XX/2021 -XXXX XXXX XXXX XXXX from XX/XX/2021 -XXXX XXXX from XX/XX/2021 -XXXXXXXX XXXX XXXX from XX/XX/2021 XXXXXXXX XXXX  from XX/XX/2021 Please remove these inquiries from my credit report and send me a confirmation. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Attempted to temporarily lift a freeze at TransUnion using their website. Their website made it unclear as to whether or not the lift was a temporary or permanent lift. This resulted in an accidental permanent lift of the record freeze. TransUnion refuses to waive a {$10.00} fee to reinstate the freeze, despite the fact that their website makes it unduly difficult to monitor and control one 's credit file.

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 2015-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX State filed judgement of {$18000.00} on XXXX/XXXX/2015. After our accountant provided them information why we did not owe this amount, XXXXState cancelled this assessment. See attached notice from XXXX State. However, they did not report the cancellation of this assessment/judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I ASKED THEM TO PROVIDE ME COPIES OF DETAIL LETTER FROM THE CREDITORS FOR ALL THE INQUIRY IN MY ACCOUNT. BUT THEY ARE SAYING ITS VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief