BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/XXXX/Equifax credit report immediately. See Attached document as documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by XXXX XXXX XXXX. In XXXX of XXXX, I became aware that XXXX had reported a Credit card charge-off on my credit report. I disputed this account and requested through the three credit burease and to XXXX directly if that could produce a signed contract that is needed to verify an account according to the FCRA. They did not have the required documentation to verify this account. I went through five rounds of reinvestigations over the course of two and a half years and not once were they able to produce any documentation that would verify this account in accordance with the FCRA. It has now been over seven years since this account was listed delinquent and it is time-barred from being reported on my credit report. After notifying XXXX of the law and their inability to continue to report this debt, I was met with an act of retaliation. XXXX recently flagged that account as a charge-off, again, even though it was charged-off over seven years ago. How can an account be charged-off more than once? This is clearly inaccurate and is a deliberate act to harm me for the protected activity of requesting verification of a debt. This retaliatory act has caused my credit score to drop significantly and has defamed my character. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. My only goal was to get XXXX to follow the law, now I am paying the price. I am requesting that XXXX XXXX XXXX comply with the requirements of the Fair Credit reporting act and the Fair Debt Collections Practices Act and delete this time-barred account from my credit report. If XXXX refuses to follow the law, I will file suit for Defamation of Character, Retaliation, and Fraud under the FCRA.

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 2022-02-17
Company: WELLS FARGO & COMPANY
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:
XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account WELLS FARGO BANK. I contacted the data furnisher and CRA requesting to review my account. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the parties.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX n assurance with the fair credit act XXXX  account XXXX has violated my rights. 

15. U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
After several loans I've payed off, since last loan of {$1000.00}, I was wrongfully evicted, Relocated 5 hours north in rural XXXX  tx!!! No way to make payment over phone due to lack off their call center personnel don't understand English!!!! Contact number I have in my cell rings in XXXX!!!!! After several attempts over phone and giving routing and checking info to do a draft? No body can answer my questions!!, Can't speak to English speaking personal to discuss possible options? And when payments that were made. I don't speak XXXX and didn't get this loan in XXXX, was in XXXX Texas!!!! And, I'm a XXXX XXXX  veteran who pays his bills, haven't I been through enough? if any investigation into this, my cell phone records will show when my problems started with Oportun, and issues didn't start with these XXXX until XX/XX/2019, when I moved into my new home!!!!! Thank you XXXX!! I've repeatedly tried to pay using my visa debit cards, they don't work with XXXX XXXX XXXX!!! Not my problem! Been with XXXX  over 10 years so. Do some Phone forensics you will see I've tried. I question the amount they say I owe! and I am questioning the employees they hire to answer there phones! in a outsourced sweat shop of a building abroad in the XXXX or XXXX, I know I pay my bills!!! I want this matter addressed or resolved, or wiped out!!! I can't get in touch with anyone who works for them in the United States ever!??? International Phone centers answering calls somewhere!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Received a text message from an Arizona number ( XXXX  ) XXXX asking me to call them at a number located in Washington State. 

Here is the exact text message I received : XX/XX/XXXX Alert : Your file is now pending review for the new forgiveness program. Can you give us a quick call at XXXX now for details? 

I have never received text messages before from my Federal student loan servicer ( Nelnet ). This message seems like a scam and I did not call or click on the phone number. 

I worry that this is an attempt to defraud and prey on student loan borrowers such as myself during a time of great stress & uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.c. systems recently deleted a false account that was added to my credit report XX/XX/XXXX with a balance of XXXX XX/XX/XXXX they placed another inaccurate collection on my credit report with false open dates after I received a letter stating that the debt will not be re-reported by the company itself to the credit reporting agencies. The letter I received from this company is a credit reporting removal. How is it added back on 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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership. Your bureau has 30 days to provide this to your address on file or they by law are required to delete the 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
Consumer complaint received 2023-02-08
Company: LJ Ross Associates
State: AK
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 credit is being negatively impacted by this reporting that I do not recognize. I was notified few years ago my XXXX for an unpaid electricity bill. The account belonged to my ex-wife and the problem was resolved long ago. It appears that she never took care of it and the company is harmfully harassing me. 

I called the collection company and informed them that this information is wrong and harmful. They never cared about what I said and the report is damaging my credit. I work too hard to be harmed this way. 

This information needs to be completely removed and my credit repaid immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: KY
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 have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: MN
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-10-06
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Every one of my friends that I know, their loan starts repayment from XX/XX/. However, EdFinancial charged me {$580.00} for XX/XX/. I kept asking where this amount is coming from and it is not lawful to charge me that. Yet, I paid because I did not want that to affect my credit score. They said they will work on it with their team and get back to me and never did! 
All my loans I have are federal loans and are eligible for SAVE program! I kept telling them my income has significantly changed since last year because XX/XX/XXXX  I moved to California and am XXXX  now and I requested my payments to be re-calculated and lowest payment, the SAVE program. Yet, they still have not get back to me and I have a {$980.00} due in 3 days. Even on FSA website it shows my payment based on last year 's income should be {$910.00}. I don't understand where that discrepancy comes from in their website! They are very corrupt. I keep emailing and call them, they have never replied so far. Today I had to get a day off to contact them and still after 2 years being on the phone waiting, it automatically asked me to leave my name and they'll call me but have never yet! I don't know what I can do! They are very corrupt and lying and keep charging me unlawfully while I can not pay, I don't earn money this much now to pay! And yet I have a deadline in 3 days. I have complained to FSA but they haven't done anything they said keep calling them but if a loan servicer is lying and scammer, who can I reach out to? What can I do?

Company response to consumer: Untimely response
Consumer complaint received 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I been paying capital one payment XXXX dollars a month but when covid hit and a death in the family I could no longer keep up with the payments. I spoke to a rep and they told me that they can put me on a skip plan where I dont have to pay the minus payment but I will still incur interest. Now I just get a bill recently it is stating the payment is XXXX dollars payment. I dont have anything on the card and they still keep taken interest out the card. They keep telling me theres no help for me there using a computer to determine how I need help. The bill is going up and I have no way of stopping this interest they wont give me long term situation they keep asking me is it permanent I keep telling them it is and all they keep giving me is skip now there just going up and up for something XXXX cant afford and its not right what there doing. How can I pay anything if they keep taken money out of the credit card and theres nothing to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MI
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:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY  ACCOUNT XXXX XXXXXXXX. 
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 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.Any other adverse item of information other than records of convictions of crimes that antedates the report by more than seven years. 15 U.S.C. 1681 s-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 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 2018-02-16
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we closed escrow on a new loan with a lower interest rate. 

The new mortgage company is XXXX XXXX. 

Our previous lender, M & T Bank, was paid off by XXXX XXXX with the closing of escrow. 
However, on XX/XX/XXXX, M & T debited another monthly payment of {$1300.00}. 
This was a normal payment amount on the original loan. 

I called M & T Bank on the same day, and they admitted it was an error and I would be refunded the full amount in 10 days, XX/XX/XXXX. ( ph XXXX I called M & T Bank today, to confirm the refund which I was expecting but never received. They said they are preparing our refund now, and we should receive a check by XX/XX/XXXX. 
This is creating a financial hardship. I gave M & T the permission to debit my checking account ( XXXX XXXX XXXX XXXX - XXXX, CA XXXX ) and they compromised our family financially through their incompetence. 

I am attaching documents reflecting the closing of the first loan ( settlement ) and payoff to M & T Bank effective XX/XX/XXXX. And debit from my checking on 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 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identify theft from my consumer 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