BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: National Medical Administrators, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a product online that supposedly improves brain and mind function. I decided to purchase the supplement for {$6.00} or something along those lines. I made the purchase on XX/XX/XXXX and the item showed up some time later. The other day I got the mail and I pulled out a debt collector trying to collect {$110.00} for something related to this company. The amount is substantially higher at {$110.00}. I have not heard or seen anything related to the company after receiving the item that I paid for. I did not receive any additional bills, correspondence, or items. Upon contacting the debt collector and explaining my situation they were extremely unhelpful, rude, and unprofessional. I was told to XXXX XXXX, that i had a XXXX attitude, that I was lying about receiving additional product ( s ), and was hung up on by three different people. I was under the impression I was paying for the product one time which I did. One of the employees told me " you need to watch what you click agree to next time ''. I haven't been given any information about what the charge is for, why i'm being charged, and why i'm being charged but haven't received any bills for whatever they are trying to collect money from. The debt collector hangs up on me because i refuse to pay them but I do not believe a debt collector would act so unprofessionally, they have not established themselves as legitimate debt collectors, and I don't know what the debt is for. So, I am not paying for anything. The whole thing sounds like a huge scam and the company XXXX limited has numerous scam reports online as well as a news article with a reputable news company. Searching up the debt collector, all of the complaints that I saw were related to this XXXX XXXX XXXX and a lot of the people seemed to be suffering the same issues I am currently suffering. If this is a matter of being charged for an additional product, I have United States Postal Service services in which it shows what packages are delivered to my home and I can prove that I received nothing additional from this company. The company XXXX XXXX doesn't even have a website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally lodge a complaint concerning several inaccuracies on my credit report, which include multiple attempts to add inaccurate addresses, collections accounts, and inquiries, some of which are suspected to be fraudulent. These inaccuracies are adversely affecting my creditworthiness and financial well-being. I request your prompt assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies requiring your immediate attention for removal : 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 


I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Non-compliance with the FCRA can lead to legal consequences, and I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: MO
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 has sent over my account to collections ( XXXX XXXX XXXX ) and is saying I have unreturned equipment which was returned to XXXX. I also received multiple refunds in regards to the return of the equipment. I have been trying to take care of this matter over a year and XXXX is refusing to give me my account information to verify anything because they said my account is cancelled. The information the collection agency was given is inaccurate since the equipment had been returned. XXXX sales person offered the equipment and claimed I would have discounts but I was mislead and returned the phones. XXXX is claiming they don't have the phones but its been over a year and they said they won't even contact the carrier to see where the devices could be. I have tried to dispute this with the reporting agencies but it has been no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 2023-07-23
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date 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 2023-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I bought a Home with my daughter in Maryland and had 3 different quotes from three diffeerent brokers. I chose WFbank as they offered me a rate reduction of 0.125 % for every XXXX XXXX  that i transferred into their portfolio scheme and if I transferred in More than {>= $1,000,000} I could get a rate reduction of 5/8 % based on that offer I applied with WF for my loan and after going through multiple submission of documents I was approved for the loan. I transferred {>= $1,000,000} in My new WF portfolio in XXXX XXXX during the process of approval it appeared that the loan might not go through in time and I transferred {$750000.00} to my Escrow account in case I needed to close the purchase in cash. 
after lot of document submissions and explanation the loan was approved and I transferred another {>= $1,000,000} in the brokerage account to qualify to get the rate reduction. I was provided closing document on XXXX or XXXX of XXXX without rate reduction, I discussed this with WF agent and was told that the rate adjustment would be made on final documents which will be provided on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by XXXX XXXX XXXX, WF mortgage Agent I was working with informed me that his supervisor who was new was denying the rate reduction as it applied to Jumbo Loans only.and my choice was either to close the purchase using the loan or close it with all cash. During the whole one and half month process with all the documents, money transfers and documents no one at WF as much as even raised a possibility that I might not get a rate reduction. on the contrary I was repeatedly assured that I would definitely qualify for the rate reduction.

I have requested WF to preserve all recordings of my conversations with all parties that I spoke with about this loan and their offer of rate reduction based on opening brokerage account and transfer of money and provide me with a transcript of the same. I believe that I was a victim of false advertising or a false promise, unfair business practice and a bait and switch by WF mortgage. 
I spent XXXX extra to get an extension to close the purchase to the seller, plus spent {$1000.00} for travel to sign the closing documents as I had to make another trip due to delay in closing. 
I spoke with XXXX XXXX today and he confirmed that till Monday XX/XX/XXXX he was under the impression that I did qualify for rate reduction and that is what he was passing on to me in our numerous conversations. 
I would like the CFPB to look into this and resolve the issue ASAP or atleast hold WF accountable for its business practices. 
My loan no with WF is XXXX I HAVE ALREADY DISCUSSED THIS WITH XXXX XXXX AT WF EXECUTIVE OFFICE

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 2023-09-14
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported only in my Equifax and XXXX credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, 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:
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$24.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX  ( Original Creditor : Original Creditor ) XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: WELLS FARGO & COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ever since I applied to have a checking account with bank of america i have been getting charged with overdraft fees.

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 2021-08-20
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent a letter to Nelnet regarding three accounts that are reporting on my credit report from them. I was requesting for them to show me proof that their reporting of the accounts were 100 % accurate. The reason why I asked this was because there were major inconsistencies and inaccurate information on their accounts from all three major credit bureaus. 

However, on XX/XX/XXXX, they sent me a letter stating that they are not complying with the investigation. 

They must cooperate because these accounts are inaccurate, inconsistent and non metro 2 compliant!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
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 non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 response to consumer: Closed with non-monetary relief