BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I paid for a certified letter to be mailed out with return receipt for dispute on credit report. It have been over 30 days and no response. Please remove!

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 2023-12-11
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Family Educational Rights and Privacy Act as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal. Opting out of student loan reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am requesting confirmation that my repayment plan, listed as " level '' is PSLF eligible. 

I was placed on this repayment plan 2 months ago after MOHELA recommended it to me and told me on a phone call is is PSLF eligible qualifying payment. I have now read in some places online that this payment plan is not eligible for PSLF. I have sent several messages to MOHELA over several months and have never received a response despite their own website saying a response will happen within 3-10 days. 

I am just trying to confirm that my current repayment plan with MOHELA listed as " level '' for an amount of {$500.00} will be a qualifying payment and eligible for PSLF loan forgiveness? 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Yesterday I received a {$200.00} check from Wells Fargo ( ref. number XXXX ) for an error that may have occurred when my mortgage was considered for payment assistance options. I called Wells Fargo and ask them what error occurred and when. The agent was unable to provide that information to me. I had submitted a complaint to CFPB in XXXX XXXXnd on XX/XX/15 Wells Fargo replied that No error was found and the case was closed. 

I believe this {$200.00} check is an attempt by Wells Fargo to limit their liability to customers under the recent CFPB enforcement action. The letter I received with the check is from Wells Fargo Customer Care - Remediation. Given the fact that Wells Fargo gave me a quote for over {$22000.00} to reinstate my my mortgage, when in reality the amount was {$11000.00}, I think CFPB might want to look at what customers and what payments are being made under the enforcement action.

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 2023-12-12
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet is purposely making repayment in full impossible in order to add additional balances under the guise of " accrued interest. '' Nelnet does not have a " Pay in full, '' option - instead the site directs borrowers to calculate a " Payoff Amount '' as of a certain date. On XX/XX/XXXX, I selected XX/XX/XXXX as the " Payoff Date, '' obtained the " Pay in Full '' balance in the approximate amount of {$9600.00}, and submitted that amount as payment. When I logged in the following week, it showed a balance of approximately {$51.00}. This amount would represent approximately XXXX full months of interest. Frustrated, I attempted to call the servicer - I was on hold for over XXXX hours and gave up. Although I believe adding a full month of interest within XXXX week is fraudulent- I didn't want to fight over {$50.00} so I tried again to pay the account in full. I set up a " Payoff Date '' of a little more than a week in the future ( for XX/XX/XXXX ). It would NOT let me pay any more than what was indicated as owed ( for example, I tried to pay {$60.00} for the " payoff amount '' of {$58.00} to avoid more " accrued interest '' but it would not let me- it only allowed me to pay the " Estimated Payoff Amount '' as of XX/XX/XXXX ). I logged in on XX/XX/XXXX - each loan group had a balance of {$0.00} and indicated " Paid in Full '' under repayment status. I thought it was odd that I did not receive a payment in full email confirmation, so I logged back in on XX/XX/XXXX to find more " accrued interest, '' this time in the amount of {$.00} on XXXX of the loans. This is fraudulent, inaccurate, and a deliberate scam to milk honest borrowers out of every possible cent. I emailed, attempted to call ( on hold again! ), and tried their joke of a chat bot. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
This is an account which Ive had for over 20 years Ive always had it on auto pay hence why there should be no late payments on this account however it shows 2 thirty days late. Even though the account has been closed now Ive contacted the company on numerous occasions to get this record corrected but they have refused. Ive also requested an accounting of my payments from the day my account was opened so I can verify that I have never been late.

Also under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit account as late.

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 2021-01-28
Company: T.S. Holdings
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
hello, my issue is with IQ Data INT out of XXXX, WA i have sent several letters to them directly starting on XX/XX/XXXX no response i sent out another letter asking them to validate this alleged debt on XX/XX/XXXX 3rd correspondent sent on XX/XX/XXXX last one sent on XX/XX/XXXX and still nothing. this false unverified reporting is stopping me from moving on with my life after college i just completed. they are reporting that i lived in a complex and owe them and it is not true and reporting inaccuratley i have also sent letters to all 3 credit agencies, XXXX, XXXX, XXXX and to have gotten no response month after month. i just dont know what to do at this point to get a fair and accurate repsonse from this place reporting horribly on my credit report. i read somewhere that your agency could help me as a consumer. i hope so please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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:
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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 st
ates 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 non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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 disputed the attached accounts on XX/XX/23, XX/XX/23, & XX/XX/23. I have not been notified if results, even though some of their remarks stated the bureaus received. I am requesting an investigation regarding errors that are listed on my credit report. The investigation should take place to ensure these items are correctly reporting. I have attached proof to show they are in fact NOT reporting correctly. They are showing to be in Account not disputed status, yet again have remarks of being investigated. This is a violation of my rights under the FCRA. 

XXXX - showing 30 day late status on paid account on Experian, but is showing on time and current with XXXX. No last verified date, showing in account not disputed status. 

XXXX XXXX - paid collection should be removed due to full payment. Pay to delete agreement was put in place but clearly was not withheld. No last verified date, showing in account not disputed status. 
XXXX  - No last verified date, showing in account not disputed status. Inconsistent last date of activity XXXX XXXX  - No last verified date, showing in account not disputed status. Inconsistent last date of activity & open/closed account status inconsistent XXXX XXXX XXXX  - Inconsistent last date of activity, No last verified date, showing in account not disputed status XXXX XXXX  - No last verified date, showing in account not disputed status. inconsistencies in closed/open status

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 2023-12-13
Company: Experian Information Solutions 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-13
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In a follow up to my previous complaints, today I noticed my mohela account finally showed I was placed on the SAVE repayment plan. However, the payment amount, XXXX, is the payment for the LEVEL repayment plan. My most recent IDR application on XX/XX/2023 stated my SAVE repayment amount is about {$180.00} dollars.

I called customer support and the first agent was unable to answer why the discrepancy.

1 ). Why is my account showing the level repayment ammount while I'm in SAVE? 2 ). How is is possible that the SAVE repayment ammojnt is only {$13.00} less than the LEVEL amount? No one can answer the questions. This is umnaceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in contact with this company for quite some time and I'm not getting anywhere. It si not fair for doctor office to sell your personal health information to collection agency because they failed to bill my insurance in a timely manner. I did have XXXX and XXXX at the time of service with XXXX XXXX, in which they did have have. I've contact 1st Federal Credit and they would not assist me stating they can ' locate my account one minute then the next minute they locate it but can't explain how i owe the bill. They advise me to go back to the doctor office for assistance and every time i contact them i have to leave a voicemail and never receive a call back. They are over charging me and has added this to my credit file. I have 2 charges for {$62.00} and one for {$140.00}. This is getting so frustrate, I also file a complaint with FTC as well. I really need assistance with this. This is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I linked XXXX XXXX dollars from my SOCIAL SECURITY XXXX XXXX XXXX to my small business account, which was in an overdrafter for negative XXXX XXXX and XXXX dollars but my linked SSN acted as an overdraft protection account and paid the fees, within 3 days the Social Security XXXX softed pooled my credit report because I linked my brother 's as well because I was his payee for his XXXX benefits. I figured XXXX XXXX was to much for that only XXXX XXXX and XXXX XXXX dollar insured account, so I dropped the balance from XXXX XXXX and XXXX XXXX to, XXXX and XXXX XXXX. Someone within two days in the private closed the savings account down and added the XXXX XXXX and XXXX XXXX dollars to the checking account, which brought the balance to XXXX XXXX XXXX dollars. I was concern then ... For almost a month in a half I tried fully linking the account. I called but the banker ( lady ) on the phone at the bank said she couldn't see the linked account, so I made it my duty to go up to the bank to see what was going on because the amount revealed XXXX XXXX percent approved and the account identified and verified my name but on XX/XX/XXXX before I arrived to the bank, someone had shut my account down and still to this day I have not received my funds in n the account and still owe the XXXX ( the account is my prepaid and exempted account, I'm age of majority and competent to say so and filed a XXXX report on it too. ) and I even tried reopening an account online and was approved but someone shut that one down too and I used my birth file date to open it, instead of my birth charted date of birth to open the account and it went through. Their withholding my assets with prejudice and I used my SSN and EIN to open that account but the SSN is where the source of the funds came from. I'm alive and the ttee and beneficial owner ( merger accounts ), without prejudice, XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EdFinancial Services
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 belongs to someone else

Complaint:
EDFinancial LLC is reporting to XXXX an adverse, derogatory credit item of a student loan that they are the servicer of. I have never had EDFinancial as a servicer. The information of my being the borrower of said credit item is fictitious and has been placed to harm my credit standing. I demand strict proof from EDFinancial that their account with them is my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
In accordance with the Fair Credit Reporting Act the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  Balance XXXX and XXXX XXXX balance XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.

Company response to consumer: Closed with explanation