BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Nelnet, Inc.
State: DE
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) THIS is not original loan provider. Debts were not late in payment due to forbearance and COVID. Past time frame to be on my credit. Caused me severe hardships. Housing issues everything. 

I am attaching the original request to go on XXXX  XX/XX/2018. I battled for for over a year trying to submit documentation. To upload files. To get an answer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mother. Dealing with Identity theft, Mail Fraud IN MY OWN HOME. I WAS fighting STILL fighting to Get housing and OUT OF THIS location, DUE TO MY CREDIT file being so botched, I am STILL IN AN ABUSIVE SITATION. I want these removed asap. I am attaching some emails since it only allots for 5 attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NJ
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 have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

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 2023-01-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged a " Cash transaction fee '' of {$4.00} for a tenant of mine paying rent with cash. 
This is the 2nd time this has happened. I recently filed a complaint for the same thing.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: WA
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:
so they keep saying they haven't received documents police report I sent those by mail as to well you .Experian XXXX XXXX stated you guys just sent statement. no attachment so I have had my mail tampered with but can you I'm sending these letters of proof and legal documents from irs .can you have have all Experian XXXX XXXX remove these as these have been taken care of .late payments and are illegal. and they need to pay for violations they have committed for the past year .fraudently allowing reporting of false information removing account after viewing police report FTC .changing and altering an old personal statement I did not not authorize.as well credit concepts is not my grantor. each reporting agencies need to pay these fine for damages due as laws state 1,000 per violations and willingly and knowingly reporting wrong information and law states re investigation 15 days most cases 3 to give. it's been over a year they have caused me to be judge and discriminated against for their false doing as if you look on public record I am a secured creditor.. I never gave any agency or buissness to report false illegal information on my report. and reporting information to buissness to be denied as they stated and one Bank showed me what they reported and I compared my report information I know nothing about I need late payments removed every account as in payed as agreed. and if they can't do this with in 3 days as well each agency pay for damages not ones they fixed. but one they neglected and causing my household harm and injury.i sent affidavits 1009a also credit concepts debt discharge so these agencies not removing this immediately as laws states criminal and civil charges will be filed in 3 days of receiving I have every right. deceptive buisness act I asked each Agency for every application validating what they are wanting report .only thing they report is damaging illegal. I was told to pay my bills I won't have this issue. funny 1099a and 1099c they not well up-to-date on. and stop telling people wrong info. I save d everything over last year audio chats certified mail receipts. I have more than enough because of these agencies my kids have to go with their mom. I can move foward in life and being willfully injured because of them .and it needs to stop. they have 4 days to fix and 7 days I sent attached invoice for damages that I need to receive which I'm entitled to or I will be moving forward with charges and material facts and all complaints sent to you and little has been done. today they fix and pay that's it or charges are being filed.

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 2022-03-25
Company: Avant Holding Company, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I forgot a payment was due on XX/XX/2022 I called and the company waived the XXXX late fee and I made my XXXX payment for XXXX that day, I received an email stating my late fee was approved and waived I called XX/XX/2022 to make my XXXX payment early that was due on XX/XX/XXXX the customer service rep said the computer was down so I called XX/XX/2022 to make my payment of XXXX that was due XX/XX/XXXX and asked why the XXXX late fee wasn't taken off he said I cant find anyone to help with that question call in an hour I called back and was talking to a lady 25 minutes the phone was called was disconnected I called back another representative said I only had to pay XXXX so paid that she took the XXXX off but she didn't now I'm charged another XXXX late fee when my payment for XXXX was paid on time I called the company today to tell them my XXXX late fee for XX/XX/2022 was approved to be waived and then they charge me XXXX late fee for XXXX because I didn't pay the XXXX late fee for XXXX .my payment was not late for XXXX and the customer service rep was rude and would not let me talk to someone with more authority than her .the company is Avant credit card company in Illinois I XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 and still no one will fix the mistake Avant made and keep charging me late fees I dont want this to mess up my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: GA
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:
Equifax still has XXXX XXXX XXXX for {$1000.00} reporting on my credit file and it shouldnt be there. I have sent over documents and this account.has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Meridian Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We've sent messages to Meridian Financial Services that we were disputing a debt because we're working with the original creditor to get the issue resolved. They have ignored us, and are breaking the law by doing so. They seem to be notorious based on complaints we've read about them and they should have their ability to collect as a third party revoked!

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 2022-03-18
Company: EQUIFAX, INC.
State: PA
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:
I consumer XXXX XXXX instructed EQUIFAX to delete and block inaccurate information and a XXXX  XXXX account on my consumer report. EQUIFAX does not have my written consent or a contract with myself the consumer to furnish my nonpublic information. EQUIFAX states that they conducted an investigative report but will not show the contents of investigation in which must include interviews with neighbors and friends of consumer in which still will be inaccurate if not coming from the consumer. EQUIFAX is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681b ( A ) ( 2 ) Permissible Purposes, EQUIFAX must delete inaccurate account and information of XXXX  XXXX according to the written instructions of myself the consumer. EQUIFAX can not get accurate information from a creditor on a consumer according to the FCRA and the CFPB. EQUIFAX is causing myself the consumer financial injury and will be held federally liable. This inaccurate information is not equitable to the consumer and is not allowed to show factual information or transactional history between consumer and creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : 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 2021-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
I have been disputing a collection that popped up on my Experian credit report. However, when I mail in the dispute my investigation is not starting and I am waiting 45 days for them to put the dispute in. Additionally when I login on the website to submit my dispute I am getting a technical difficulties please call XXXX. But when I call this number during the working hours it will only let me speak with a machine that eventually hangs up on me. I have called several days and numerous amounts of times. I also called other Experian customer service numbers and I can never speak with anyone. Is it legal for them to block their calls and not allow us to speak to live representatives? Also is it legal for them to ignore my mail? Please let me know how or when this can be corrected.

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 2023-01-02
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX. I was carrying two promotional 6 month no interest balances on the card. The first balance was {$5200.00} and the second balance was {$3300.00}. 
XXXX. The XXXX statement indicated that a minimum payment of {$87.00} was due by XX/XX/XXXX/2022. The statement also indicated, in prominent red all cap typeface : " YOU MUST PAY THE BALANCE OF {$5200.00} OF YOUR PLAN XXXX XXXX XXXX XXXX LOW PMT IN FULL BY XX/XX/XXXX22 TO AVOID PAYING ACCRUED INTEREST CHARGES. '' XXXX. The XXXX statement does not include language to the effect that the plan balance of {$5200.00} and the minimum payment of {$87.00} had to be made. I thus was led to believe that the payment of the plan balance would satisfy the minimum payment amount. 
XXXX. As indicated on the XXXX statement, I made a payment of {$5200.00} on XX/XX/XXXX2022 ( the payment due date ). The XXXX statement nonetheless included accrued interest in the amount of {$1000.00}, even though my payment was a greater amount than the minimum payment due and was enough to satisfy the outstanding balance on the promotional amount due on XX/XX/XXXX 2022. 
XXXX. I spoke with XXXX on XX/XX/XXXX, 2022 and XXXX 's position is that I was required to pay the promotional plan amount due plus the minimum fee due to avoid interest charges, despite the plain language in the XXXX statement that I only needed to pay the {$5200.00} to avoid interest payments. 
XXXX. The XXXX statement was deceptive in its language because it does not indicate that two amounts ( the plan balance plus the minimum payment amount ) needed to be paid to avoid interest charges. Also, XXXX did add such language to the XXXX statement concerning making both payments to avoid interest charges, but it was too late. This deception creates a trap for unwary consumers. I will also note that XXXX did not charge a late fee of {$41.00} even though its position is that the minimum payment amount was not paid by the due date of XX/XX/XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NC
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.

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 2023-02-24
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$710.00} from Creditor : XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my accounts still have not been removed as requested its been longer than 30 days. I requested for them to be removed and blocked and not dispute.

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 2022-03-18
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I filed a complaint last year because my account was closed, by time the check arrive it had already expired. The check was for balance that was in my account when it was closed. I dont know if it was mail delays or the bank itself, I would just like a new check. I have tried for months to get one. Ive been told I would have a form sent 3 separate times, this apparent form was to fill out the information to have a new check issued to me. Each time I have waited months in-between and now feel like I'm purposely getting bad information. It has never arrived. Its been to long and I just want my money. They have kept it collecting interest while not trying to fix my problem. 

I am at the same address nothing has changed with my information from before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: GA
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:
These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.

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 2023-12-19
Company: EQUIFAX, INC.
State: GA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2021-10-16
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief