BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I have send in certified letters to compose and credit bureaus about the unknown inquiries on my credit report XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2022

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 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
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:
I sent a letter on XXXX XXXX to Experian. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this 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 2023-02-01
Company: WELLS FARGO & COMPANY
State: PA
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:
I received a incoming call from what came up as my bank WELS FARGO I was asked a few basic questions to verify my identity name birth date and last 4 digits of social I proceeded with the call the caller ask if I was a were of my card being used at different locations I said NO I have not used my card I opened up my banking app to review the charges the call disconnected I than received a notification from XXXX stating I authorize a XXXX dollar XXXX payment that I Never authorized I never use XXXX ever over my years with them since a XXXX XXXX grade student 9 years ago the call last about 20 mins immediately called my bank back and spoke with a representative that stated no one recently called me I was on the phone with the bank for 1 hr explain tht I had not authorized any XXXX nor did I ever set up a XXXX account authorized transfer or to receive money that way The bank closed my account stating I owe them the money the card with them I always paid on time never no issues I ask them to investigate this issues but in stead they said I owe causing my credit report to be damaged while Im in the process of buying a new home I worked hard on my credit and saving account with this bank and I demand an 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 monetary relief
Consumer complaint received 2023-02-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit management XX/XX/23 threatened me. To take legal actions against me. They call multiple times in a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the FCRA ( THE LAW ) XXXX XXXX Transunion needs to remove these unauthorized inquires. Its been over 30 days Under federal law, XXXX has thirty ( 30 ) days to complete their investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 

They have also failed to provide proof with my signature that SHOWS I authorized these inquires.

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 2021-02-04
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: Information belongs to someone else

Complaint:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/XXXX 30 day demand XX/XX/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 2019-11-28
Company: Alorica Inc.
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had an established loan with The XXXX XXXX XXXX company. About 5/6 ( XXXX ) months ago, I reached out for a payoff quote, in an attempt to close out the loan. About a month passed and I noticed that there was no response from them. So I went online only to find out that they had went out of business and some company by the name of Systems and Services Technologies , Inc ( " SST '' ) was the loan servicer for your XXXX  account. They had email/phone number for contacting purposes. I've reached out several times in attempt to reach them and close out my loan. So this month ( XXXX ), I decided to stop my payment to them since there's no way of contacting them and I had absolutely no idea where my money was going and how long this process would continue. Last week I received an email from the same company, whom I've been trying to get in touch with for the last 5/6 months, informing me that my account would be reported delinquent to the credit bureaus if I didn't resume payment. Of course they included a contact number to reach them. Called the number numerous times and an automated voice answers everytime with, Were experiencing technical difficulties. 

I definitely do not need some erroneous company screwing up my credit report. I need some involvement from you all to ensure that this does not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of tems which do not belong to me or were opened without my permission. 
XXXX 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 XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: NC
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:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MO
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I put in a dispute to TransUnion on XX/XX/XXXX, sent via certified mail with return receipt. It was marked XX/XX/XXXX they received my letter. I sent my follow-up letter XX/XX/XXXX explaining they did not respond to my letter. There were no disputes opened and I received nothing in the mail accounts were verified. It is not XX/XX/XXXX and there was no investigation. Now they must delete the information due to non-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 2022-09-01
Company: FAIR COLLECTIONS & OUTSOURCING, 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 do not owe Fair Collections and outsourcing for the debt that they are reporting on my credit report. This account shows as open on my credit report. I did not sign any contract with them. I am asking that this be deleted 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 explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: SC
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2023-07-27
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Direct express is holding my ssdi payments for over two months. First attempt of transfer : my balance reflected the withdrawal for two weeks and they blamed Bank XXXX XXXX, after two weeks my balance was corrected and showed the reversal of transfer a day after the transfer. I literally didnt know where was my $ from XX/XX/XXXX to XX/XX/XXXX. Then they said I wasnt verified, I sent them on XX/XX/XXXX all the info they asked and included the routing number ( my bank doesnt provide on their statement ). They said they would contact me, never did. On XX/XX/XXXX found out they refused to verify me bc of routing number wasnt on the statement. XXXX, manager told me she cant talk to decision making department. I am not in the state & XXXX and my bills havent been paid. They refuse to contact my bank, this will take another several weeks, thank god direct deposit from ssXXXXi went through for this month, apparently same bank information was sufficient for ssXXXXi it is not enough for direct express to release the . Social Security should stop using their services, we have no choice in this not at least for a few months till the direct deposit process gets through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Nelnet, Inc.
State: CO
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:
My student loans were originally serviced by Great Lakes. I had been making automatic monthly payments with them since 2020. But now, Nelnet has taken over my account against my will. They do not allow me to make any kind of scheduled payment. They call it " a known issue '' that has been around for three years, with no attempts at resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: MOHELA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been stuck in the process of the PSLF since XXXX with no sign of resolution. My loan was transferred to Mohela at the beginning of XXXX and I am no closer to forgiveness than I was then. 

My PSLF payment count is actually lower on Mohela than XXXX and the PSLF tracker at Mohela shows no information. 

I have received no communication since my transfer other than when I call, and I have been given dates for forgiveness ( end of XXXX, end of XXXX ) that have been patently false. 

When I do make the mistake of calling Mohela, the average hold time is over three hours. On three occasions, I have been on hold that long only to be disconnected with an automated message about busy lines. 

I have nowhere to turn for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: LEXISNEXIS
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:
a secondary agency reported a bankruptcy to my XXXX  credit report. 
this agency was notified that I did not consent to personal financial records being divulge to secondary agencies. 

There is a privacy law that states that finanacial records have to be given consent or have a disclosure to the specific party involved. I have stated this numerous times and have been ignored multiple times. law was listed below and this is federal law that is being broken as well as consumer law he Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, an unauthorized wire transfer was made both from my Checking Account and My Savings account from Citibank. On XX/XX/XXXX, as soon as I realized money was taken from my account I contacted the bank by phone and went in person to the bank. The bank told me the name of the person the wire transfer was made to. I then also filed a police report. USD XXXX were taken from my checking account and USD XXXX were taken from my savings account. This is very unusual activity in my account, I don't understand how the bank authorized this transaction. After I warned the bank of the wire transfer, I filed out an affidavit and to my surprise, the bank took over 1 week to submit my affidavit to the bank 's fraud department, even though I made various requests that my situation be solved quickly. It was the beginning of the month and I had deposited all of my payments into the bank. All bills were dated to be paid, including my rent and other bills. I didn't even have any money to put gas in my car to get to work. The bank did not provide me with ANY support, they left me without any money. Interestingly enough, the bank decided to offer me a LOAN with an extremely high interest rate, since they argued that my checking account was new. The account was only new because they had to close the older one due to the unauthorized wire transfer. I had the other account for almost 10 years. Still to this day, the situation is not resolved, and it's been 23 days and I urgently need my money back to my account.

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