BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I certainly requested my free annual credit reports from the three major credit bureaus, XXXX, Equifax and XXXX. Upon going over every detail of the three reports from the three bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since XXXX  Why are they tracking my movements for such a long time on my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I complaint is the following against Wells Fargo 's response to this federal agency and to me. 

One : In the response, Wells Fargo mentions that it waived the interest charge. This was only done because it told the supervisor on the XXXX that I believed the account to be closed. He then waived the charge and proceeded to close the account. Wells Fargo makes it look like it was a charity and good will on their part. The whole story needs to be explained. 

Two : The author of the report did not listen to the entire call. This is a very important disclosure that should have been mentioned and reported in the report. This above fact in all honesty negates the report and incomplete and in accurate. 

Three : The report states that they representative told me that their was a request on th XXXX for the closure. Again not the whole story. The fact is that I called Wells Fargo mad as XXXX that the account was still not closed several days later. I was assured by the supervisor that the account was to be closed later that day. I was mad because the two requests did not happen. This is not in the report. I brought up the fact that I made the request for this account to be closed not once but twice not the Wells Fargo employees. 

Four : The lady in the executive office told me several times that they account was not closed in fact it was still open. She then went on to ask me if I still wanted the account open. This statement would not be made if she was aware of any closure requests because that would be a red flag to do more research to make sure that account was in progress to be closed. She further went on to ask if I wanted a replacement card and a new pin number. I told her that I wanted to account to remain open, but I thought that since I made the account to be closed request that it could not be reopened per Wells Fargo 's own policy. She assured me that it was open and their was nothing there to stop me from getting a replacement card and that I should receive that replacement card later. These facts are not in the report any where. 

Five ; Why are these people making misleading statements to a federal agency still employed by Wells Fargo? 

Six : Why are their 10 different letters from Wells Fargo employees on this complaint that states 10 different opinions? 

Seven : Why is not one employee and one department working on this complaint? 

Eight : The confusion about this complaint is not mine but on the shoulders of Wells Fargo. 



Thanks 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 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
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:
I sent correspondence in XXXX. I attached 2021 document. I have no account with XXXX XXXX XXXX. Experian never responded back about this account but deleted the others mentioned in my letter. It could have been an oversight but according to report # XXXX it still remains. I request this account be deleted.

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 2023-02-10
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX there was money taken out my account XXXX then XXXX a minute later and the skylight bank will not refund my money said there was no error then a week later and new card someone tried to take money out again but there was no funds on the card so they sent the second card I just need help getting my funds back thank you

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 2020-07-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called into the agency and received incorrect information in regards to the dates the payments were received. In addition, the agency also reported and verified incorrect information was factual. 
They reported a payment was made XX/XX/2023. It was made XX/XX/2023.. They reported the date of the last payment on the account was XX/XX/2023. There were payments made on the account electronically that posted XX/XX/2023, XX/XX/2023 and XX/XX/2023 electronically and were posted to the account. AES reported to the credit bureau that the last payment received was XX/XX/2023 on XX/XX/2023 in response to the dispute I submitted to the credit reporting agency. 
As of XX/XX/2023 the account was not past due {$290.00} as of XX/XX/2023 which was confirmed by AES on on XX/XX/2023 verbally. In addition the attached payment history which was screenshot from my AES account show the payments were received and posted to the account. 
I requested information on the total loan payments I made over the life of the loan. I was told they could only provide me information on the total payments to AES. I think also I informed them that I was placed on a forbearance while I was making payments. 

I requested a copy of the MPN with terms of agreement so that I could see the what the total number of payments I was required to make. 
I was only sent the signature page of the MPN without the terms of the payment agreement. 

Without the total of payments made and the total payments required over the life of the loan then I am not able to make an informed decisions about President Biden 's new Student loan repayment plan SAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have asked Experian to provide me proof of PERMISSIBLE PURPOSE for the inquiries that are circled and highlighted in the attached document. Many of them say " Unspecified Reason '' therefore no permissible purpose can be acknowledged nor proven by the companies that asked for my credit. I also have a few from XXXX XXXX XXXX XXXX that says they tried to do a car loan for me. I NEVER asked XXXX XXXX of all companies to finance a car for me. XXXX is my bank and they are the ones that did the car loan for me. Many of the companies that are listed as pulling my credit I have no idea who they are and I never received any kind of credit from them. THIS IS NOT ASKING EXPERIAN TO PUT ANY KIND OF FRAUD ALERT OR FREEZE ON MY FILE. This compliant is being filed because I have asked Experian to provide permissible proof that I asked these companies to grant me credit which they never did. You can see right on their own report that the reason is Unspecified, if that is the case how can they show permissible purpose. This is simply Experians way of trying to hurt me financially and I will not stand for it. I am demanding that the Inquiries that I have listed be removed because I DID NOT give permissible purpose to those companies at that time to pull my credit. The guidelines are very specific on permissible purpose Employment, preapproved credit, investments, credit monitoring, mortgage or insurance. NONE of the ones circled meet that criteria and I am DEMANDING that Experian Remove these inquiries immediately as I have asked them by writing 3 times to do this and they ignore my request each time.

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 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America has XXXX listed on their website for customer to transfer funds, but they did not say it is not protected for fraud transaction or scam. I trusted BOA, so I trusted XXXX. I tried buying a ticket for my son online, after sending money {$65.00} by XXXX with BOA, the seller disappeared, I never got the ticket or refund in the past 2.5 weeks, reported to BOA, no response. 

BOA 's online information is not accurate, which is misleading, BOA should state that XXXX funds transfer is not protected, should only happen with family and friends. So BOA should be partially responsible for this fraud.

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 2022-12-15
Company: Alorica Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have had several loans with XXXX XXXX XXXX whose loans are currently being service by Systems and Services Technologies , Inc ( " SST '' ). I have attempted to get them to honor XXXX benefits in key provisional state ( KP ) of Louisiana, but failed to get any resolve. I am XXXX XXXX military and have been through the duration of multiple loans starting around 2016. I have XXXX to XXXX XXXX XXXX  twice and XXXX failed to apply XXXX benefits during those times either. I have attempted to get the company to honor XXXX benefits in the KP state of Louisiana which reducing my interest rate to 6 % regardless of when the loan was secured. At a very least they should honor the 6 % during time i was XXXX to XXXX, which I can and have provided documentation for. Also during the transition to SST from pioneer, i wasnt getting documentation from SST which caused my account to become delinquent. The company refuse to understand or accept the lost in contact during its transition and have negatively reported on my credit report although it wasnt my fault, I was out of the country due to military obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Nationwide Recovery Systems, Ltd
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed a debt from XXXX mobile company that is not from my doing. I wish to dispute this debt since it is not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
The following inquires were not made or authorized by me : XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Experian to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). I, again sent another letter to Experian USPS Certified Mail item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). Experian has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all XXXX credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute XXXX item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success at all.

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 2022-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Upon my review of my consumer reports it has come to my attention that you XXXX  XXXX XXXX are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, Equifax, XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX  XXXX XXXX  have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation