BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: Nelnet, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My student loans are ( unfortunately ) now administered by Nelnet.  They used to be with XXXX. 

I've tried calling, live chatting, and emailing Nelnet. Nelnet has a bad website, plus very slow customer service ( probably by design ), but they sure aren't slow about wanting to get your money. 

I have had a very good credit rating for a while. My student loan payment to Nelnet was due on XX/XX/XXXX. I paid Nelnet a few days later than the XXXX ; making my payment on XX/XX/XXXX by electronic means. 

In the meantime, I received a report that my credit rating had been dinged pretty hard. The report made it sound as though I had done something earth-shattering and catastrophic ( you'd think that I had defaulted on a loan or filed for bankruptcy ). 

I checked, and other than paying Nelnet a hand full of days after the XXXX, there is nothing that I can find that would explain the recent adverse credit report. 

If Nelnet pulled the trigger on reporting me for the relatively minor infraction described above, I would like to know, because it would certainly be a disproportionate overreaction on the part of Nelnet if that is what happened. 

However, Nelnet is very difficult to get a hold of - calling, emailing, etc. don't seem to result in any sort of timely or meaningful responses from Nelnet. 

I've made all of my payments for the month, and Nelnet is the only one that looks as though it could have triggered the over the top report to the credit agencies. 

I would like for Nelnet to actually have some customer service and to let me know whether it was Nelnet that did the report to the credit agencies. 

If it was Nelnet, I would like for Nelnet to withdraw the report, as it is over the top for making a payment a handful of days after XX/XX/XXXX. Given my history ( just ask XXXX ), I would hope that Nelnet could be reasonable and that it would choose good corporate citizenship over corporate degeneracy. 

Failing that, and in the event Nelnet did make the report to the credit rating agencies but will not try to make things right, please let everyone know about Nelnet. 

Also, can we institute a death penalty for bad companies? I think it would only be right since these companies claim to have the same constitutional rights as real people. Please let me know. 

Thank you for your time and attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I did not receive proper notification of credit card statement at my new address or email. Company refused to fix such a small error of a debt payment of around XXXX dollars Im in which I actually over payed it. After I contacted the company they still kept saying they send the email and statement and I didnt get it. This information needs to fix on my credit report and is affecting my 100 % payment record

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 2023-12-11
Company: Experian Information Solutions Inc.
State: AZ
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: CA
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:
This is my complaint for EQUIFAX. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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:
Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account # XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: OH
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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-12-10
Company: Experian Information Solutions Inc.
State: TX
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:
Dear CFPB, I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that I am a victim of identity theft, and as such, I have submitted detailed information to the Federal Trade Commission ( FTC ) outlining the unauthorized accounts and inquiries associated with my name. I am writing to request the assistance of the Consumer Financial Protection Bureau in rectifying this situation. 

The unauthorized accounts on my credit report do not reflect my financial activities, and I firmly believe that I should not be held responsible for them. I have diligently followed the prescribed procedures for reporting identity theft to the FTC, providing all necessary documentation and information. In light of this, I kindly request that the Consumer Financial Protection Bureau ensures the prompt removal of these unauthorized accounts and inquiries from my credit report. 

I have attached a copy of the documentation I submitted to the FTC for your reference, including the Identity Theft Report and any supporting evidence. I trust that, with your intervention, we can rectify this situation promptly, protecting my rights and preventing any unwarranted damage to my creditworthiness. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if additional information is required or if there are any further steps I need to take. 

Thank you for your assistance in addressing this identity theft issue.

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2015-03-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Wells Fargo, did not give me a monthly statement in XXXX 2015 nor thus far in XXXX 2015. I never received a coupon booklet either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX  over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my 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 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid in full an XXXX XXXX account # XXXX credit card on my credit. I paid over the phone 2 years ago and was told by the representative the account would be completely removed from my credit after payment in full. We had a verbal pay to delete agreement. However, I checked my credit report today and this account is on my credit. I called XXXX XXXX customer service today the representative told me the matter would be resolved and transferred me. I have not got ahold of another representative. This should be removed from my credit report immediately. This is breach of contract and if it is not removed as promised, I will sue XXXX XXXX. 

Under Texas law, [ t ] he essential elements of a breach of contract action are : ( 1 ) the existence of a valid contract ; ( 2 ) performance or tendered performance by the plaintiff ; ( 3 ) breach of the contract by the defendant; and ( 4 ) damages sustained by the plaintiff as a result of the breach. ( Smith Int'l. , Inc. v. Egle Group , LLC, 490 F.3d 380, 387 ( 5th Cir.2007 ) ; Tyler v. Citi-Residential Lending Inc., 812 F.Supp.2d 784 ( N.D. Tex. 2011 ). ) This applies regardless of whether the agreement was written or done orally.

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 2017-03-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For the past 2 years I 've been in the worst nightmare of my life with Wells Fargo mortgage. My home caught fire 3 years ago and my insurance company XXXX released a check for {$71000.00} that Wells Fargo has been holding in my restricted escrow. The balance of my loan is {$72000.00}. I have been begging and working with the executive office of Wells Fargo for nearly 2 years to try to get them at 1st use the funds to payoff my mortgage and I was told no got an entire year then they said they could do it, but I would have to give them {$18000.00} out my pocket that I do n't have. They offered me a modification twice and every time I called in to start making trial payments I was told the system offered me a modification by mistake! now I 'm asking them to let me use the funds to rebuild my home and offer me another streamline modification. They keep assigning my case to XXXX and her manager XXXX and they continue to give me wrong information and work against me! I just do n't want to lose my homebut they are determined to keep the money in my escrow and foreclose on my home. Please help!!!

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MI
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:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2023-02-10
Company: Southwest Credit Systems, L.P.
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:
Please do not close this dispute as I do not accept the response. To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 

In addition please provide the contract signed between Southwest Credit Systems , LP & XXXX notarized and sworn under penalty and perjury for Southwest Credit Systems , LP ability to collect this alleged debt. 

The non-creditor advised that they have sent me records via mail in the past explaining this debt however I never received these alleged documents. Were these documents mailed certified mail? I dont believe this non creditor and feel that they are not being honest. Please send all validating records through the XXXX and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

Company response to consumer: Closed with explanation