BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: HI
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 tried on several occasions since XXXX of 2022 and filed several complaints with you to have Equifax fix their website so I can access my XXXX SCORE AND CRDIT REPORT. They have repeatedly said they fixed the problem but I still can not access my report. Again this is what the website says when I logon : " Please give us a call and give this code to the XXXX : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX  to XXXX XXXX XXXX XXXX  ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. '' I tried calling them and you can not connect to a live person. You can not even file a dispute on the website because nothing applies to this problem to get your XXXX SCORE AND CREDIT REPORT. This repository is the worst of the worst and clearly engaged in illegal activities as it relates to consumers rights. I WANT THIS FIXED so I can log onto the website and get my XXXX SCORE AND CREDIT REPORT. I don't want the report mailed to me I WANT TO ACCESS IT ONLINE ON EQUIFAXXXXX 's WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Maximus Education, LLC dba Aidvantage
State: FL
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:
Requested a refund check for payments made on my student loan accounts at the end of XXXX. Was told after approval it would take 4-6 weeks. Refund was approved on XX/XX/22. The balance of my loans updated on my XXXX  on XX/XX/22. I have called once weekly inquiring about my check and was told its in the hands of the dept of treasury and that it should arrive soon but that the timeline has changed to 10-14 weeks from approval. They keep changing the timeline. Please help me because Aidvantage has not provided me with any correspondence other than when i inquire. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: LA
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 recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which due to my research, I believe that XXXX XXXX XXXX violated, yet somehow, you still allowed XXXX XXXX XXXX to report that the information was verified, which allowed this item to wrongfully remain on my credit report. At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether it is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to harm me. This matter has taken a significant toll on my health and livelihood, which has caused me both physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which they have been, and continue to falsely verify as accurate. This has to stop!

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 2022-11-06
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
Santander auto loan was paid as agreed and is reporting as a charge off. Multiple inconsistency between all 3 reports. Called Santander and requested my information about my account. Still haven't received it in the mail. Was denied online access to my previous account. Was denied to be emailed my information. 
Disputed thru credit bureaus- updated/ verified information is still inconsistent. 
Please delete this account from my credit report or update as paid as agreed. Inaccurate/ incomplete reporting is damaging my credit score. 
Also Santander is under litigation for unfair and deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name COMENITY BANK I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: LA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Velocity Portfolio Group
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : Consumer Financial protection bureau To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit. 

Account # XXXX amount {$740.00} Account # XXXX Amount {$1400.00}, CKs Prime XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX inaccuracy dates and the amount owed opened XX/XX/XXXX, status updated XXXX XXXX, Balanced updated XX/XX/XXXX in the amount of {$740.00} and {$1400.00} By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX and you are making this account look newer than what it really is which is false and misleading. 

Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft. 


I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes. 

Sincerely, 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 2022-11-05
Company: Nelnet, Inc.
State: TX
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:
My account was recently discharged XXXX XXXX XXXX still showing its open on my credit report. I tried to have a disputed and remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was on XXXX to find a rent house. When I submitted a request for a property showing it took me to XXXX where I filled out an application. The man named XXXX XXXX XXXX or XXXX XXXX, contacted me to take the home off the market and to do that I had to pay the security deposit. He said he will take XXXX payment in the amount of {$1500.00}. The email he provided for this deposit was XXXX and he sent me a leasing contracts with the state of Texas printed on the top of page to me from XXXX. he was supposed to meet me at XXXX XXXX XXXX XXXX XXXX Texas three times he never showed up. After two days the XXXX website sent me an email saying they took the property off the market and it might be fraudulent. It was too late by then, he already had all my sensitive information. SS DOB and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: GA
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 1.XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

2.XXXX  XXXX account identifier : XXXX, account ending in XXXX, has violated my rights. 

3.XXXX XXXX XXXX account ending XXXX, has violated my rights 4XXXX XXXX capital has violated my rights 5.XXXX Confirmation # XXXX Has violated my rights 6. XXXX : account number ending XXXX, has violated my rights 7.XXXX XXXXXXXX XXXX account ending XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  : XXXX XXXX ph XXXX XXXX, XXXX club corporation account ending with XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that 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 than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and 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 explanation
Consumer complaint received 2022-02-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
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:
Ive reached out on multiple occasion to remove hard inquiries off my report. That I did no authorize and have yet to receive a response via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: VA
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-02-17
Company: Credit Plus Inc
State: AZ
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:
I checked my credit report and noticed a few different inquiries I didnt give authorization to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: ACIMA CREDIT, LLC
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:
The Financing company ( Acima Credit ) Allowed someone to pickup an order in my name and against my credit. I have filled a police report, as well as attempted hundred of methods of contact with this company, with no reply. My email is tracked, so i know they have opened and read my emails. I am trying to work with them, however they are refusing to work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : $ {$34000.00} ; XXXX XXXX Balance Owed : $ {$34000.00}.

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 2017-04-01
Company: Navient Solutions, LLC.
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
To Whom It May Concern : I have been working for the XXXX since XX/XX/XXXX and have been making payments since XX/XX/XXXX. My loans are from XX/XX/XXXX and XX/XX/XXXX. I 've paid at least {$60000.00} on {$61000.00} original principal of my loans. According to my Account Summary, I owe another {$60000.00}. I am currently on the Level/Extended Repayment Plan. 

I have two complaints : 1 ) How can I owe double my original principal ( {$120000.00} vice {$60000.00} )? 

2 ) At no point, did Navient assist or inform me that I would be eligible for Public Service Loan Forgiveness if I was an a qualified income-based repayment plan. Since I am on a Level plan, I apparently have missed out on this eligibility. 

As a result of these two complaints, I have been harmed as a consumer. 

I will be submitting this complaint to Navient and to the Department of Education. 

Please advise accordingly. 

Best regards, XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have communicated with the debt collector by way of certified mail for the agency to certify the debt to which they has refused to respond. They refuse to prove that the debt is in fact mine. I have made the request numerous times.

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 2022-11-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Hi I was looking for new graphics card for my computer. The graphics card that I was looking for was the XXXX  XXXX which sells for {$1500.00} USD. While XXXX shopping I saw that XXXX was selling for {$400.00} + {$30.00} shiopping. In the description, it said to XXXX phone number XXXX before ordering where I contacted the person. The person said he does takes only bitcoins and XXXX. Since I did not have any bitcoins, the only option for me for XXXX. After going back and forth, we agreed that I will give 50 % through XXXX which is {$210.00} dollars. I sent the money from XXXX to XXXX XXXX email XXXX. Chat documentation is also attached. After few days, he sent me tracking information but it was for XXXX instead of XXXX or XXXX. Linked below Every day I was getting tracking it and I noticed that it said quantity was 5. I ordered only 1. when I inquired the seller, he said my employee sent 5 instead of 1 by mistake so since they have sent it I have to buy 3 get 2 free. I will need to pay to 2 more ( {$800.00} ). I said ok depending on what i receive. In the tracking it was showing it is crossing country to country when it was put on hold in XXXX. The Seller said XXXX XXXX is asking for {$200.00} for releasing it. This is nonsense, why would XXXX customs have it when it is coming to XXXX? After that the conversation with seller collapsed, he said he will deduct {$200.00} once it is delivered to me. But I did not agree. I then called my bank wellsfargo for reversing the transaction and they have sent me letter that saying there is no error and they cannor reverse it but they contacted the other banking institution, there is no guarantee that they will reverse this. Please ask the bank to reverse this electronic transaction based on regulation E. All documentation I have attached. Also, the bank will send me some documentation in 30 days which i will attach later. 


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