BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous e-oscar verification that is causing so many consumers trouble

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 2023-08-28
Company: EQUIFAX, INC.
State: CO
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 have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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 fraud alerts or security freezes

Complaint:
Several years ago we placed credit report freezes with the XXXX major credit reporting companies. 
I needed to unlock the reports XX/XX/2022 to help my son XXXX XXXX purchase a home, and his potential mortgage company wanted a co-signer, which I was willing to be. I had no trouble unlocking my XXXX and XXXX reports, but for some reason, the PIN that was given to me by Experian didn't work. Experian 's consumer-facing system does not allow you to be transferred to any live person. All of their published numbers go back to the same basic telephone loop, so you can't speak to anyone-no supervisors, no reps, no one. The pre-programmed loop says, " I can only transfer you in limited circumstances, '' which of course means they won't transfer you to anyone. 
I think considering the power that a company like Experian wields over consumer credit purchases, I feel they should be required to staff their phone lines with real people who can clear up a minor problem. Their only solution offered for a non-working PIN was to write to them in XXXX, XXXX enclosing ID, which I did. In the year XXXX, I think the CFPB should require that these companies have both a telephone contact list with real people, and an email address to clear up minor problems. I certainly could have verified any security questions they may have asked me by telephone. I feel that while credit file security is important, locking out consumers from directly contacting a company 's employees, except by mail, is an unfair trade practice. The information in our credit files provides their profits, and I feel consumers are at least entitled to have a conversation or an email exchange to clear up a minor problem in their system.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: VA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-28
Company: EQUIFAX, INC.
State: GA
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 checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is the second complaint I am filing because the information the company provided is incorrect. They stated that they sent a letter saying they would repo the car in XXXX but we called and set up payments and was told there would be no action taken as long as we are actively making some sort of payments which we were. He also informed my wife to have me call in to request deferment on XX/XX/XXXX. At which I called on XX/XX/XXXX and spoke with a woman who barely spoke XXXX and she denied me and said the account says we aren't allowed to defer the loan. She never even asked me any of the pre deferment questions. I explained and so did my wife several times that we have more than enough income coming in to pay the loan payments but playing catch up with the back balance from the hardships we went through is making things very difficult. We have actively been bringing all of our bills current. The only company that has not been willing to work with us is wells Fargo. I'm sure it has a lot to do with our van being worth more now than when we bought it. I want this to actually be looked into. This company is illegally reposing and setting people up for failure.

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 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently obtained a copy of my credit report and noticed that XXXX has inaccurately listed an address that I have never lived at. This erroneous information has the potential to negatively impact my creditworthiness and overall financial standing. I am deeply concerned about the implications this may have on my financial transactions, including potential loan applications and other credit-dependent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: ALLY FINANCIAL INC.
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I signed up for a saving account to work on saving my funds so i can better budget my finances. So I signed up with Ally Finance due to their APR, This placed a hard inquiry on my credit report for the date above. 


On XX/XX/2019, Ally Finance give me a second hard inquiry on my credit report and closed my account due to no other reason whatsoever. This inquiry also affect my credit report and has made it hard for me to continuing improving my credit report. As a student and someone from another country. I am still getting my feet wet with the financial system in the US. I have learned a lot from this experience and deserves a second chance to start from scratch by removing these two hard inquiries on my report. 

The company mentioned that there was nothing that they could do to help me with this since my account is already closed by them!

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 2020-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I purchased an item from Neiman Marcus online back in XX/XX/XXXX. The item was over {$100.00} and was scheduled to be delivered via XXXX. Unfortunately, the item was lost and I contacted the company, telling them the problem. They investigated and determine the item was lost and refunded the item I was charged ( available in my billing statement ). Now, looking over my statement ( XX/XX/XXXX ), the charge that was refunded to me back in XXXX was charged on my account again. An item I didn't receive and was determined lost by Neiman Marcus. I called the company and they gave a story on how they refunded me an item that I was never charged, which is false because I have a statement showing that I was charged for the purchase, but refunded due to it being lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX, XXXX, and XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: WI
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. 

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 Account # 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  Account # 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  Account # 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  Account # 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 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 2023-04-23
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital has illegally reported XXXX  collection accounts to my personal credit reports. According to their own words, The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems ) can not sue you for it and we will not report it to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. I live in the state of Pennsylvania where the statute of limitations is 4 years. According to their own statement these unverified and unsubstantiated debts are already over this statute. 
I request that Jefferson Capital verify all of the following information Full original account number Date original account was opened Any written agreements between myself and the original creditor stating the amount owed Full account summary and itemized calculation the debt owed Date of first delinquency with original creditor Dates and times of any contact with myself trying to actually verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update

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 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on equifax credit report. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report Number XXXX, Report NumberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Ascendium Education Group
State: MN
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:
On Monday XX/XX/XXXX, I received in the mail a notice that my entire state and federal return had been taken by Ascendium Education Group to a total of {$9800.00}. When I called the number listed for this loan agency, I was transferred to another loan agency XXXX. It was at this moment that I found out that my loan is now in the hands of XXXX. I have been attempting to reach XXXX for an explanation of why my entire refund was taken by them, and they are currently not in office due to the corona virus and unable to take phone calls and instead are only operating by email. I wrote an email on XX/XX/XXXX stating my questions and due to the circumstances, hoping they will be empathetic and release my return either partial or full. I received a canned email with a attachment for an economic hardship application, not at all addressing one of my questions. 

I was not aware of my default status, either was my loan consignor. I had been on automatic withdrawal from my checking account for over a year to Ascendium Education Group and it appears due to an inputting error with my debit card, the past 3 months of automatic withdrawals were not going through. Does 3 months of a mistake really warrant a {$9800.00} seize of my funds? 

I have called MN Department of Revenue, the US Department of Treasury and both have been unable to assist me until I get information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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: Other problem getting your report or credit score

Complaint:
I have contacted Experian XXXX regarding my account and not being able to get my daily credit score or 3 bureau reports which they offer for XXXX per month. I spoke with several representatives regarding this issue and was also escalated to a department to rectify the issue. They transferred me to Experian disputes stating something was wrong with my SSN but when I spoke with the representative in disputes they stated everything looked good. I continue to get the run around and as of now can not access my current report or pay to get the monthly reports from all 3 bureaus.

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 2020-03-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to bring my loan current through submitting a payment of {$12000.00} on the XX/XX/XXXX. The check cleared the attorney 's account on XX/XX/XXXX. I submitted a payment in mid XX/XX/XXXX that cleared my business account just the same. My house was sold on the court house steps in XX/XX/XXXX. Every time I call Suntrust they are researching the file or I can not get through. At no point did Suntrust call me to inform me nor my attorney that the amount I submitted was insufficient. Talking with the help line, they said they refunded the amount to me, but I have received a check nor have my attorney. I would like for the bank to overturn the foreclosure for wrongful decision.

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 2018-08-02
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018 I was approved for a XXXX Discharge off my student loans with NelNet who also handles the discharge. I was sent a letter stating my loans would be reported to all three credit bureas XXXX XXXX, and XXXX that my student loan with NelNet would be reported closed paid in full XXXX balance. After about a month I notice On my credit report that over 30 different student loans were added to XXXX and XXXX reports, with different reporting as, transfered closed defered ect. I reach out to NelNet and, told them they are double reporting accounts on my credit report. XXXX and XXXX these are the same company not different. So now on my credit report I have double accounts see below XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX  and XXXX XXXX this account is listed twice on my credit report with transunion and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX. 
XXXX XXXX XXXX XXXX These errors are effecting me, all should have been reported as, closed and paid, and there should not be double up of accounts to make it look like I had 26 plus 19 loans. I am upset because XXXX/NELNET and XXXX are in the same office, it is not a different lender, or serivcer that is handling my loans. When reporting to someones credit it is not even legal with FCRA to double report the same accounts. It should be one account number. I had 19 loans and over 42 loans are showing up with NelNet. Pplease fix like you said you would in XXXX I have attached the letter.

Company response to consumer: Closed with explanation