BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Nelnet, Inc.
State: GA
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 had a student loan years ago, currently serviced by XXXX XXXX, i filed XXXX on XX/XX/XXXX to pay the debt in full for XXXX account {$12000.00} and {$1100.00}, they never applied the funds. I also let them know that they never actually loaned me any money, instead they created a promissory note off my signature and pretended to loan me the money that was created which is fraud and they failed to report this income and instead collected XXXX,, I further filed a XXXX for each account which cancels the debt on XX/XX/XXXX, the still failed to acknowledge that i owe them nothing, i further sent them XXXX promissory notes on XX/XX/XXXX which were received and are legal tender, they have not been returned and therefore according to law they are accepted and these debts are XXXX under the postal rule and the law.. I called them today XX/XX/XXXX and requested a FULL accounting and ledger of how the " loan '' came to be, also requested a XXXX due to them evading taxes, and making money off my signature.. 

this debt is paid in full and or cancelled out it needs to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly lates in XX/XX/XXXX and XX/XX/XXXX on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) I spoke to a representative in XX/XX/XXXX from XXXX and I was told that if I made ( 10 ) consecutive payments without ever being late that they would remove the lates from being reported on my credit report. I honored this agreement ; I was never late, however they are still reporting the lates on my report from XX/XX/XXXX. This incorrect reporting is harming my credit score.  Please delete these items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Block, Inc.
State: FL
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:
There was 4 charges of XXXX, XXXX, XXXX, XXXX at a XXXX on XX/XX/XXXX or XXXX When I reported it to my bank they told me I made those charges I have told them I did not make them and even went to my local XXXX and they do not even see those charges The bank can not tell me where these charges took place Since they are not finding out who did this I am trying to find out but nobody can tell me where they were done. We have called square a dozen times and do not get a response back when told we would get a call or email They are not trying to resolve this. 
I cant see how XXXX disappeared which I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Munar Mortgage, LLC DBA Co/LAB Lending
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I entered into the process of taking out a mortgage with Co/LAB Lending from XXXX XXXX XXXX XXXX in order to purchase a home which we had an offer accepted on. Early on in the process, I was gold by the mortgage broker that my interest rate was locked in at 5.25 % ... About XXXX weeks before closing, I received a call from the broker stating she had made a mistake, and did not lock in my mortgage rate. She claimed it was too late to go back and lock in the rate I thought I was receiving, and she cautioned that rates were continuing to drastically rise ... She claimed she gave up all of her profits to get me close to the rate I anticipated, but my rate still went up to 5.75 %, which is a significant amount and was not in my budget. The company refused to take any other actions to get my mortgage back to the rate I was told was locked in, and that I had budgeted my entire home buying process around. This company has been very difficult to work with, as the loan processor often also didn't correctly handle details he was given. For example, he was told multiple times that I would not be escrowing my homeowners insurance and taxes with my mortgage, yet multiple forms of paperwork received by him did not indicate that. He also sent out via email a crucial document at XXXX p.m. on a Tuesday which needed to be signed that day or my closing would be delayed. He also never texted or called me to let me know that document had been sent. Because I was engaged in other things and not checking my email frequently that late in the day, and had no idea the document was coming or the time sensitivity associated with it, I almost missed receiving the document. I also had questions before signing it, but was able to get the broker via her cell phone about XXXX that evening to answer the questions. But the mistakes by this company are not acceptable, particularly when they're costing me thousands of dollars more when I was told the interest rate was locked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  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 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 2023-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Status of this account is Showing Paid or Paying as agreed but it also show 2Late payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My Experian, XXXX file Pursuant to My Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-02-03
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Date of Original Venmo transfer : XX/XX/XXXX : My dad Venmo'ed me {$750.00} to help me pay for a flight to visit him. When it came to my account, it was marked as " goods and services '' and asked for my Tax ID. I immediately reached out to Venmo to correct this error. We were told by Venmo there was an issue with the algorithm, and that they would reverse the payment because this was not supposed to be marked as " goods and services. '' XX/XX/XXXX : I receive a 1099K from Venmo listing the {$750.00} ( this had been reversed ). I reach out to Venmo to see why they had given me this form. The first person I spoke to told me not to worry about it. When I asked for an email confirmation that I don't need to worry about it, she emailed with unrelated information. I called again, and got the response ( attached in supporting documents ) saying that I should not have been sent the 1099K, and they were working to correct it. They said they had never seen this happen before so they sent the case to engineering to see what had happened. The second attachment shows another transcript with Venmo explaining the engineering issue. I spoke to several other customer service representatives who all told me different things about the case, which was very confusing. Finally the engineering team determines that it was my dad 's fault, and that he must have accidentally pressed this option ( contrary to other venmo team members prior saying that there was a mistake with the algorithm ) and that I would have to speak to a tax specialist ( on my own dollar ), and that they refused to amend/correct the 1099K. When I said that I can not afford a tax specialist, and asked if they would reimburse for the charges that correcting this mistake would cost, they refused. Venmo admitted fault in the first two exchanges, in XX/XX/XXXX and Tuesday XX/XX/XXXX, and then when it became more problematic to resolve they switched the blame on myself and my dad, causing us to have to pay to get it fixed by a tax specialist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2023-10-28
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-03-22
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Status of this account is Showing Paid or Paying as agreed but it also show 2Late payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX, XXXX file Pursuant to My Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution.

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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a victim of the infamous XXXX XXXX where someone posing as a representative of Wells Fargo called me saying my account had been compromised. My caller ID said Wells Fargo, they asked me to do the same things that Wells Fargo regularly does, and in the process they nearly drained my account. I filed multiple claims with Wells Fargo, was denied and told there was no appeals process, even though this protection bureau states clearly that they are liable. Its going on a year now, and all Wells Fargo has done is started adding fees onto various accounts I have with them. I am a XXXX XXXX XXXX and was actually in the room with a XXXX XXXX  with this scammer called me. My life has been stressful enough with all the pandemic brought to my doorstep, and Wells Fargo has been the furthest from helpful in resolving this. With my account then having a negative balance, any money sent to it was swallowed up as repayment. I had my XXXX sellers account still linked, and my XXXX pay as well. I lost a few additional hundred dollars before I unlinked the checking account that Id been using for 12 years.

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 2022-10-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Dates : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: CA
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:
This Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} 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 2023-02-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Account XXXX XXXX A letter was sent to us from Wells Fargo stating that they have not received a payment since XX/XX/2014. Of course I was concerned because for the last six months, five payments were taken out of our account. I called Wells Fargo to tell them that something was wrong on XXXX and that's when they told me my account was in default and was in the process of foreclosure. It was at that time that I asked for a reinstatement quote.The next day XXXX, I went to my Credit union and we discovered that the automatic bill pay was going to a different account. The account number XXXX. We found that our mortgage was going to the wrong address with the wrong account number on it. During this time an unauthorised escrow account appeared on our statement, mind you we never signed or authorized an escrow account. This mistake was not recognized for six months. Also we have a copy of the credit union withdrawals. Please responding a timely manner.

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 2023-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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