BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXX. I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I never received any information regarding there was an amount due on the account. I was then notified by email and text that I had a 30 day past due account showing on my credit report. Upon checking, I realized it was my Target account with a balance of XXXX. I immediately contacted them and paid the amount. I also explained that I had never received any correspondence regarding this. I pleaded with them to please have the 30 day late removed since this account had never been late. This one 30 day late payment dropped my credit score a whopping 50 + points. I just feel that one oversight on a consumer 's behalf should not result in them being so harshly penalized. Not to mention, that if I had been sent some type of notification, I would have addressed this immediately. It was a mere XXXX XXXX which I definitely could and would have paid prior to it being reported to the credit bureaus as a 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I currently have 2 private loans with navient. One is cosigned by my mother who is currently retired and another larger loan is cosigned by my sister. I have requested that navient lower the amount that I pay monthly due to decreased pay rate and increased cost of living. navient lowered the loan under my mother 's name because she has no income, but due to my sister 's income they refused to lower that loan, instead asking me to have her help me make payments.My sister has XXXX children of her own and her own student loans, she can not assist me with these payments. I am willing to make reasonable payments however my private student loans toke up a 1/4 of my income and soon will take up 2/5. I am pay check to paycheck sometimes having to borrow with high interest loans to make ends meet. Because of this I have not been able to improve my credit sufficiently to have my sister removed from my loan, if I could do that, I could have a more reasonable payment plan. I recently had a child and this has further impacted my funds.l, navient does not offer any plans to accommodate this change. All I want is that my payment plan be based on my income and not my sister 's so that I can make somehead way on this student loan, it has been almost 10 years of payments and my loan has increases. This seems like a unbreakable circle at this point with navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my XXXXights.15 usc1681 section 602a states I have the rights to privacy,15 usc1681 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to Experian, XXXX and XXXX to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile

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 2023-04-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my deceased mothers credit card, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX. I am her executor. 
My mother died in XXXX and I contacted Comenity Bank numerous times and advised them of her death and inability to pay her credit card. At the time of her death, she had no money left. 

She had no estate. 

I sent documents of the above information with the death certificate. 

Comenity Bank calls me constantly daily, this is harassment. I have spoken to several people there and the debt continues to be unresolved. 

The constant phone calls are harassment and they need to stop. It is not my debt. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: FlexShopper, Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Today I entered a chat session with a XXXX rep to enquire about the balance on my account because no balance ever appears on the account. I was told that my balance was XXXX. So I made the XXXX payment and immediate was advised that my payoff would be XXXX. No explanation as to why I was told one amount and then added an additional amount once paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX  XXXX and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX  XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This shows that a proper investigation was never done before this XXXX was added back onto my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo manipulated my payments and move funds out and in of my account when they were my mortgage servicer. Id make payments early, some times a week early, knowing Ill be out of the country or not being around to make payment on time, and Wells Fargo would undo my payment without my knowing. And thats not the bad part, they moved the money i transferred out of my account completely, they didn't even refund to my checking nor savings. They then would magically transfer the funds back on the day mortgage is due, pretending nothing happened. this happened numerous occasion when i needed to cushion myself by paying earlyaround the holidays, or before me leaving the country. they pretty much have access to thousands of dollars invested for 7-14 days by uaing my money.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: NY
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:
AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account XXXX XXXX XXXX XXXX XXXX the XXXX credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any 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 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i 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 non-monetary relief
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: FL
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:
Disputed the inaccurate information and the credit reporting agencies has failed to comply and correct the status of my consumer report. As this is a direct violation of 15 U.S code 1611 willfully and knowingly reporting inaccurate information damaging the credit worthiness of the consumer

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 2023-04-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Upon checking my latest dispute with CFPB Experian has completely ignored all other account on my 15 USC 1681b letter for permissible purpose, Experian took it upon them selves to only delete one account! 

Experian is also violating my rights as a consumer because the companies they claim i I owe money to does not have jurisdiction or authorization to collect in the state of NJ! 

Exhibit 1 ( delivery confirmation to Experian ) Exhibit 2 ( deceivers conformation to Experian ) Exhibit 3 ( 15 USC 1681b permissible purpose Exhibit 4 2nd 15 USC 1681b permissible purpose Exhibit 5 ( account that can not collect in the state of NJ ) Exhibit 6 ( account that can not collect in the state of NJ ) Exhibit 7 ( account that can not collect in the state one Nj )

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 2023-04-15
Company: Experian Information Solutions 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:
In accordance with the fair Credit Reporting act XXXX Account number # XXXX account name # XXXX XXXX has violated my right 15 U.S.C section 1681 602 A States I have the right to privacy 15 U.S.C 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 2023-04-15
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: 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 items 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 : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/XXXX, XXXX XXXX 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 2023-04-15
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXX and I am sending this request in response to a letter I received from 3 Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that the 3 Credit Bureau must investigate and delete these fraudulent items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 2023-04-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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