BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: AES/PHEAA
State: IN
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:
XX/XX/XXXX I was contacted by XXXX XXXX to consolidate my school loans and lower my monthly payments. I agreed to the proposed consolidation, but it was noted that ONLY my loans, not my son 's XXXX XXXX loans, be included in the consolidation. I was told that for the next 10 years I would pay somewhere between $ 50-70 a month and at the end of the 10 year period ( or 120 ) payments, the balance would be forgiven. In XXXX, I received my first notification from FedLoan. I immediately contacted XXXX XXXX because the Parent Plus loans were included. FedLoan was contacted by XXXX XXXX and myself, but we were told that the loan consolidation was complete and there was nothing that could be done to reverse it. For the next few weeks, I was in contact with both XXXX XXXX and FedLoan in an attempt to fix this problem. Because of this mistake, I was also taken to court by my ex-husband - he was responsible for the ParentPlus loans per our divorce decree. I was told by XXXX XXXX to let the matter rest since my payments were at the amount that they had calculated - {$57.00}. I paid this amount for 12 months and received a notification from FedLoan to recerttify. Once I completed the recertificaiton process, I was informed that another mistake was made. I was NOT eligible for the repayment program and had to be put into another program. My payment was then calculated at about 5 times the previous amount - {$250.00}. Again, I contacted XXXX XXXX and FedLoan, but was not able to get any satisfaction. I was basically told, sorry we made a mistake, and nothing could be done. I contacted every agency to attempt to get some kind of assistance, I hired an attorney to file bankruptcy, and finally had to sell my home - the payments were increased to {$470.00} in XX/XX/XXXX. I have tried everything to get the matter resolved and feel that I have been grossly taken advantage of. Please note that XXXX XXXX has attempted to assist me with this matter and even provided monetary help to either take FedLoan to court ( no one would represent me ) or file bankruptcy. I would appreciate ANY feedback. After reading a number of articles, including the lawsuit against XXXX, I am not alone - but that does not help pay the bills! The sheer number of documentation I have is too great to include in this email, but I would be happy to send any/all via USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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:
Please remove false information off 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
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. I have reached out to these organizations for more information and to pinpoint where these fraudulent items came about and they can not provide me information. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report and a copy of my current driver license with this complaint. Please review.

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 2021-04-03
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
My Experian Credit Report on XX/XX/XXXX dropped XXXX  points because I had an XXXX XXXX card that showed a balance of XXXX. My Experian Credit Report only increased by XXXX points when I paid the balance off. It should have increased XXXX points. I believe this is fraud. Please have someone in management call to explain this ridiculousness. My number is XXXX Sincerely, 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 2018-07-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As this company states in complaint XXXX, they are just the servicer for Wells Fargo Bank ELT XXXX Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans XXXX  is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans XXXX is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, Wells Fargo Bank ELT XXXX Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the XXXX   Attorney General 's office. Attached is the complaint for both companies.

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 2021-11-29
Company: Lending Club Corp
State: HI
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:
LENDING CLUB BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM LENDING CLUB OR FROM XXXX. XXXX OR XXXX, LENDING CLUB BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: JPMORGAN CHASE & CO.
State: UT
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:
Chase is reporting lates for XX/XX/21 on a couple accounts. Due to the unforeseen events with Covid 19 my employer was affected and therefore I was as well. My hours have been cut, and I have been barley scraping by. XXXX was a very hard month for me but I have been a long time loyal customer. I ask that Chase make a goodwill adjustment for things beyond their customers control. I would greatly appreciate if they removed the one late for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: NC
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As this company states in complaint XXXX, they are just the servicer for XXXX XXXX XXXX ELT Nelnet Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, XXXX XXXX XXXX ELT Nelnet Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX  to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the  state of XXXX. Nelnet hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the Texas Attorney General 's office. Attached is the complaint for both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: First Data Corporation
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:
Someone had used my information and made an unauthorized hard inquiries 1.XXXX XX/XX/XXXX and XX/XX/XXXX 2.FDC/First Data Services 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 2021-04-03
Company: EQUIFAX, INC.
State: PA
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: MD
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 have a bankruptcy reporting on XXXX, equifax and XXXX. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ID Analytics, Inc.
State: DE
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 applied for a loan through XXXX XXXX XXXX and received a letter approving the loan. However, one of the credit reporting agencies Sage Stream, LLC [ www.sagestreamllc.com ] was unknown to me as on e of the major crediting reporting bureaus. I reached out to Sage Stream LLC at XXXX. This company is trying to create a data base of users asking for personally identifiable information, ( PII ). After researching this company via reviews i.e XXXX and XXXX XXXX. It appears that this is an attempt at predatory lending, as the reviews consistently show that their credit reporting modules are lowering consumers credit scores at least 200 points lower than the three major credit reporting. This gives the lenders an opportunity to charge a higher interest rate for a loan. 

It is my opinion that as a result of XXXX XXXX XXXX  using Sage Stream LLC, I  was charged a higher interest rate for someone with my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX has not only failed to respond to dispute letters which I have proof of sending, but now they have failed to respond to a CFPB complaint within the 60 day time limit. Please remove account from 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 explanation
Consumer complaint received 2020-05-21
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My loan through west lake financial the interest is so high. That I will pay almost XXXX for a car worth XXXX! I have tried to refinance it! But its so upside down no one will touch west lake refuses to lower the rest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Ever since I have been working with Navient when it transferred from Sally Mae I have never been able to get a forbearance and to this day have failed to get a low income driven payment.

I have tried many times via fax mail or with the phone app. And still either missing a page or never received.

After graduating XXXX College in XX/XX/XXXX I was unaware of the debt I would have. Continuing my education at another private school as XXXX  College recommended .. I am now {$75000.00} in Debt. Thanx to high interest while I was still a student and thanx to Navient destroying my credit report, I have tried working with them to get help as I was denied my private loans I was approved at our local XXXX college due to my high debt. But I need to finish my education. Navient has made it impossible to work with, calling me at weird house, unable to get through there automated system, then unable to get forebareance. Never had this problem with XXXX XXXX. I need help as my students loans are becoming even more maxed out. I barely work as I have to take care my family I should be getting my education but I cant because of all this interest that is eating away my educational enlightenment.

Please help XXXX College was a fraud. Although they didnt get in trouble until XX/XX/XXXX. They acted the same way probably since its foundation. High interests, talk students to go to private school and never had life long job placement. They lied. They are no longer and I feel my degree is worthless. Navient refuses to listen or help mediate my frustrations. {$75000.00} debt. I am a mother of XXXX and stuck with my associates. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Bread Financial Holdings, Inc.
State: OH
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 second dispute and Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, COMENITY BANK/XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Shared information about a past due debt with my daughter. after they shared the information she told them I was not there them they asked her why she answered the phone. to start with they have invaded my privacy with sharing my information with a member of my household. 
have asked them before not to call my home as I am not paying this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation