BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NY
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 sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after ( date of the Previous letter ). Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an old credit card debt that is with a debt collector and I have been paying on it for the past year or so. I have missed a few payments. So I wrote to the company and asked for my balance in writing only through email or US mail. They still attempted to call me. And they did receive my letter because I received a response back stating they received it and asking me to contact the office. At this time I want no verbal communication with the company only email or US mail. I would like to get the account taken care of so I need the information which is my balance that's all. And they do not list the information on the website but will glady take a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2022 I received a Equifax response regarding another compliant about four inquiries. The inquiries were removed and put back on my credit report without notifing me in writing. C.F.P.B please take a look at the compliant number XXXX. This complaint response from Equifax state that the inquiries do not appear on my credit report. Today I receive a respond that two of the four inquiries will remain on my credit report. Eqiufax is violating consumer laws. The agents are continually filing false claims. I have attached my credit reports and compliant XXXX clearly states that these four inquiries were not on my credit file. Now Equifax state that two out of the four inquiries will remain on my credit. I attached proof on the the compliants that I mention above. This is the fourth compliant about these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Bread Financial Holdings, 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: Information is missing that should be on the report

Complaint:
I have an acount with XXXX XXXX backed by Commenity Bank. That financial institution has failed to report anything regarding this credit card to any credit reporting agency in the last 2 years since taking over from previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Nelnet, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Nelnet account has been reporting inaccurate information onto all 3 of my credit reports. I have made several calls to the company to inquiry as well as dispute the inaccuracy being reported but still nothing has been done to fix the problem. I asked to speak with a manager and he was very rude. He did not want to listen to my concerns to even address them. I submitted paperwork, called several times and still nothing changed. So now I would like to file a formal complete with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 one of my numerous 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. Please delete the following inquiries : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, XXXX. Please delete these inquiries immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Genesis FS Card Services, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my Indigo card account in XXXX. Completely paid off the card. when the card was closed, that should have meant no more transactions. I was told the card is closed and to destroy it. I did. Since then, I had XXXX unauthorized transactions from XXXX different company. I called Indigo and was told my account is closed and they were trying to figure out why I am still being billed for some auto pays that I am being double bill for. Since XXXX of the auto pay is my virus protection, I agreed to pay for the charge and was promised nothing else will be billed to me. 
Well, that didnt happen, I am steadily being billed and it seems the customer service rep cant do anything but lie to me about the closed account. I thought closed meant closed. I want this account shutdown completely with a {$0.00} balance as it was back in XXXX. Indigo doesnt know what close meant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: LA
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 Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: ERC
State: IL
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:
Enhanced Recovery Company ( ERC ) is reporting I closed an account with them on my credit reports. The account in question is an old XXXX XXXX XXXX account from 2013. This account and all related debt was settled and paid with XXXX XXXX XXXX directly and was NOT paid to ERC. I have never heard from ERC nor have I spoken with them about this matter. They have not validated this account after my requests they do so and have no right to report that this account was paid to them since it was paid to XXXX XXXX XXXX. I wrote ERC regarding this matter and disputed this information in my credit files. ERC, responded without proof or written validation that the account was accurate. This can not be since, and I repeat, I have never had any interactions with this company. ERC 's refusal to validate their claims and their previous responses to my inquiries over this matter have put them in direct violation of the Fair Credit Reporting Act ( FCRA ), which is a position ERC has been in many times in the past. The internet is full of documentation that ERC systematically engages in this sort of behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: NAVY FEDERAL CREDIT UNION
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:
This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXXXXXX XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Genesis FS Card Services, Inc.
State: NC
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a fraudulent transaction involving Ms. XXXX XXXX from XXXX Missouri who indicated she had a XXXX XXXX XXXX XXXX XXXX for sale. XXXX had indicated in her correspondence that vehicle was to be shipped by XX/XX/XXXX once the vehicle was sold to a buyer. 

Come to find out, this was all part of an internet scan involving XXXX XXXX and XX/XX/XXXXXXXX. I was informed to wire {$9000.00} into a trust account held at wells-fargo bank in the name of XXXX XXXX. That once the vehicle arrives, I will have about a week to decide if I wanted to take possession of the vehicle. ( see emails from XXXX XXXX and XX/XX/XXXXXXXX ). 

{$9000.00} was wired into a Wells-Fargo Bank account at XXXX XXXX XXXX, XXXX MS XXXX into account holder XXXX XXXX XXXX account that was setup as a trust account. 
See XXXX XXXX XXXX address. Come to find out, this was a SCAN as XXXX and XXXX XXXX did not deliver the vehicle on Monday as planned. Attempted to reach out to XXXX and XXXX XXXX, but to no avail. 

Immediately contacted my bank, XXXX XXXX XXXX in XXXX XXXX, MN and reported to the Fraud department that a scam had taken place. XXXX reached out to Wells-Fargo to freeze the account but was told they could not do anything about the situation. I also called and spoke with a Fraud Department at Wells-Fargo, but was informed no information will be provided to me as I do not have an account with Wells-Fargo and they have to protect their client 's interest. Informed them that this was a fraudulent transaction, but to no avail.

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 2023-08-27
Company: Consumer Legal Group, P.C.
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
I entered into an agreement with XXXX XXXX XXXX in XX/XX/XXXX. They went bankrupt in XX/XX/XXXX and my account was transferred ( without my authorization ) to Consumer Legal Group ( CLG ). I have paid over {$32000.00} and nothing has been done to improve my credit. When you call all you get is scripted messages. I have asked to talk to an attorney and have never been connected. This entire thing is scam. Its theft. I want my money back and will do anything I have to do to make that happen. I have already filed complaints with the XXXX, FTC, CFPB, and filed a local police report. Stay away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and 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 an 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 2018-08-21
Company: Experian Information Solutions Inc.
State: DC
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 paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my Experian report. I filed a dispute with Experian and the account is still not updated. All other credit bureaus are updated correctly.

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 2019-08-30
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new complaint and is related to my complaint # XXXX. 1st Bank did in fact reverse the fee which is good but what they did in order to do that was completely delete a payment I had staged to go out on XX/XX/28 for XXXX 's mortgage payment. 

What they neglected to do is notify me immediately that this was done via email, text or phone call so that I can have the opportunity to setup another payment for XXXX. 

If I did not happen to login to their website and notice this, I could have missed XXXX 's payment which would have caused a late fee and a derogatory credit report statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: DISCOVER BANK
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:
I recently XXXX and paid off all marital debt on a Discover Card and had my name removed. The card is in my ex-wifes name, XXXX XXXX XXXX, but the total amount on the card was put on by her after the card had been paid off and after the divorce. Im not an authorized user of the account and the amount on the card is solely her debt after divorce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2022-11-02
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX Balance I t look as tho XXXX has resolved their debt and need to be off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX XXXX I t look as tho XXXX has resolved their debt and need to be off 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 2018-08-02
Company: Premier Student Loan Center
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was contacted by Premiere Student Loan Center of California, in XX/XX/XXXX, offering to look at all of my student loan debt and see if I was eligible for any student loan forgiveness. I am a XXXX so I do not remember if they knew that or I mentioned that, but we got on the track of XXXX at a low income / non profit XXXX and they got back to me in XX/XX/XXXX stating they would be sending a form to me to fill out to verify this was indeed the institution where I XXXX. They asked for upfront the following payments that I completed from my back listed above. 

XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00}. Then they assured me the repayment plan would be this : 120 payments ( monthly totaling ten years ) of {$30.00} to THEM ( not my student loan company which is XXXX ( totaling {$180000.00} ) starting  XX/XX/XXXX {$30.00} every month until XX/XX/XXXX. 
When you go to their website they are VERY misleading when they show at the bottom of their page XXXX approval XXXX, which implies they are XXXX   accredited but when you go to XXXX  site they flat out state that Premiere Student Loan Center is NOT XXXX accredited. 
Now I returned to XXXX University XX/XX/XXXX to finish my XXXX and my actual student loans, at XXXX, were put on an in-school deferment status. But Premiere Student Loan Center still collected. I found out today, from XXXX ( XXXX - conversation was recorded ) that they did receive a form in XX/XX/XXXX showing I do XXXX a nonprofit XXXX and therefore AM eligible for student loan forgiveness, but she assured me based on my income and family size my ACTUAL repayment is {$0.00} for 120 months. Repayment with my actual loan servicer XXXX has NOT yet gone into effect ; they have not received XXXX XXXX  from any of the monthly payments I have been paying to Premiere. The {$1000.00} ( 4 initial payments of XXXX ) was explained to 'process ' the paper work. This is a scam. XXXX also informed me today ( from XXXX ) that as of XX/XX/XXXX my account went into forbearance status. This was put into place by Premiere so that I would not be contacted by XXXX. All this time I thought these {$30.00} payments were towards my repayment plan to have {$170000.00} in student loan debt forgiven. Come to find out Premiere was just pocketing these payments. 
Please advise as to what my next step should be to either get back any of that money I sent them, or to at least help spread the word so that this company does not scam any more honest hardworking XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The following fraud chargers were mad on our account when our account balance was XXXX XXXX We have not made these charges and should not be responsible for any of this. 

XX/XX/2022 Interest Charge On Purchases {$4.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 XXXX XXXXXXXX XXXX {$100.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$70.00} Fees XX/XX/2022 FOREIGN CURRENCY FEE XXXX XX/XX/2022 FOREIGN CURRENCY FEE XXXX TOTAL FEES FOR THIS PERIOD {$5.00} I was told that the account would be closed and investigated but the account still remains open and active. 

Now they are stating " We will let the national credit reporting agencies know that we closed your account. You will continue to receive billing statements every month until your remaining balance is paid in full. Currently, your balance is {$72.00}. '' This is from " LATE FEES '' on FRAUD charges are we DO NOT owe this ... .you can't even get through to anyone on their phone lines

Company response to consumer: Closed with monetary relief