BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 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 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 2023-04-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear CFPB, I am writing to dispute the bankruptcy that appears on my credit report. As per the Fair Credit Reporting Act, it is my right to request correction of any inaccurate or incomplete information on my credit report. However, I believe that the bankruptcy appearing on my credit report is inaccurate and incomplete. 

I would like to point out that the Bankruptcy Court, as an information provider, does not report any information to credit reporting agencies or any other agencies. Therefore, the bankruptcy appearing on my credit report is not a result of accurate reporting. 

I request that you take appropriate action to correct this inaccuracy on my credit report, and that the bankruptcy be removed from my account as soon as possible. 

Thank you for your attention to this matter.

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 2023-04-27
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I have tried to reach MOHELA through Customer Service but this issue was not resolved because 1 ) I was hung up and 2 ) they put me through to a Supervisor and waited on hold but they had actually already closed. When you try to find an Ombudsman on MOHELA 's website there is no way to reach anyone. They used to have an Ombudsman link on their website but it has been removed. Below is an email that I tried to send but can not because they don't actually even have an Ombudsman. This email describes the horrible customer service and lack of competent employees they have answering the phones. 

This was the email I tried to send them : My name is XXXX XXXX and I have student loans through MOHELA and would like to submit a formal complaint. I recently was switched to MOHELA and tonight I called at XXXX XXXX from my cell phone ( XXXX ) and spoke briefly with XXXX. I asked a question about why MOHELA sent me a form that says I have never paid any money toward my student loans. I had requested this a month ago due to being a member of a lawsuit called Sweet vs. Cardona. As a member of this lawsuit that was WON, I am entitled to reimbursement of payments made over the years. I requested MOHELA to send me a list of these payments several times and what I received in the mail was a document that did not make sense to me and said I paid XXXX dollars toward my loans over 20 plus years which is not accurate. This evening I called to get this figured out and XXXX provided an explanation that did not make sense to me and instead of actually addressing the issue she switched the topic of conversation to telling me that I needed to switch to a different repayment plan. I am currently in forbearance due to being a member of this lawsuit which I tried to explain to her, HOWEVER instead of listening to me XXXX hung up on me and the call sent me to a survey ( 1-5 rating ) which I filled out and left a message. THIS BEHAVIOR WAS SO INAPPROPRIATE AND INACCEPTABLE. I never raised my voice or was mad at her, I simply wanted her to actually try and answer my question. It is clear that XXXX not only lacks customer service skills but is completely incompetent at her job. I am going to continue filing complaints everywhere I can find Dept of Education and other Ombudsman offices until this issue is resolved. Please advise what my next steps are. 

Again the call with XXXX occurred at XXXX XXXX ET and she hung up on me at exactly XXXX XXXX ET. I can not believe how absolutely inappropriate this kind of behavior is and that MOHELA employs people like this. Its awful and should be rectified immediately. 

Thank you. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate 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 explanation
Consumer complaint received 2023-04-27
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:
I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : 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 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 2023-04-27
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2023-04-27
Company: Experian Information Solutions Inc.
State: NV
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:
Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SU - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T

he FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees. Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees. I attached all evidence and supporting documents. Thank you for your attention to this matter. I look forward to your prompt response.

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 2023-07-17
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint regarding an account listed on my credit report, which I believe to be inaccurate and unjustified. Despite my previous attempts to address this matter directly with the reporting entity, they have failed to respond or provide any documentation supporting their claim, as required by the Fair Credit Reporting Act ( FCRA ) under Section 609. 

I have made multiple attempts to resolve this issue by sending both mail and email communications to the creditor, requesting validation of the alleged debt in accordance with the provisions of the FCRA. Specifically, on XX/XX/2022, I sent an email to [ XXXX 's Email Address ] formally requesting proof of the debt in question. Regrettably, despite the considerable time that has passed, I have received no response or acknowledgment from the creditor. 

Under the FCRA, Section 609 ( a ) ( 1 ) ( A ), consumers have the right to request verification of any disputed debt from the reporting entity. Failure to respond to such a request within 30 days of receipt constitutes a violation of this federal law. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates the removal of inaccurate or unverifiable information from credit reports.

Given the lack of response and failure to provide any supporting evidence, I believe it is evident that the creditor 's reporting of this debt is erroneous and inaccurate. Therefore, I kindly request your intervention and assistance in addressing this matter promptly.

I kindly request that the Consumer Financial Protection Bureau take the following actions to rectify this situation : Initiate an investigation into the alleged debt and the creditor 's failure to respond to my previous communications as required by law.

Direct the creditor to provide me with the requested validation of the debt in question within the statutory time frame. 
Instruct the credit reporting agencies to remove the disputed account from my credit report until such time as the creditor has provided sufficient evidence to substantiate their claim. 
Take appropriate enforcement actions against the creditor for their non-compliance with the FCRA. 
Enclosed with this complaint, please find copies of my previous correspondence to the creditor, including the email dated XX/XX/2022, as evidence of my attempts to resolve this matter amicably. 

I greatly appreciate your attention to this serious matter and your assistance in helping me rectify the inaccuracies present in my credit report. Please feel free to contact me should you require any further information or documentation.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX 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 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 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 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 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 2023-04-27
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:
This is my several requests but still the same items were erroneous. The 3 credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items listed below : XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, EXPERIAN XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2023-04-27
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian Account name ; XXXX XXXX acct # XXXX Account name ; XXXX XXXX XXXX Account # XXXX Account name ; XXXX XXXX  Account # XXXX Account name ; XXXX XXXX Account # XXXX Account name ; XXXX XXXX XXXX Account XXXX XXXX XXXX Account name ; XXXX XXXX XXXX  Account # XXXX XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXX  Account # XXXX  they have violated my right the only phone number i have is XXXX XXXX the only address is XXXX XXXX XXXX tn XXXX 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 2023-04-27
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
NO INVESTIGATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX 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 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 non-monetary relief