BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all XXXX credit bureaus XXXX, XXXX and Experian to remove public information from my personal credit file effective immediately.

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 2023-05-04
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I reached out to the company and asked for a pay off balance the add me do another application to try to get an additional loan/ refinance the previous loan to pay off the old loan. Try told me that I will need add an additional collateral as well I only qualified for a little amount which wouldnt even cover the previous loan. I was told that the could lower my monthly payment which I had monthly payments but I paid by weekly so therefore the amount I paid never seemed to go down. I was told that if I paid by weekly I would pay the amount down faster which was a lie. I think I paid this loan for XXXX  year straight and the amount never went down. The interest is out rages I then wasnt able to pay doing it Covid. They called me several times to try to get me to modify the loan which kept me applying my credit score down and I was never approved and when I was approved the amount what wasnt. Enough to pay off anything so it still left me in the negative or should I say behind?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: AES/PHEAA
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:
Fed Loan Servicing services When I started services with Fed Loan services, I was under the impression that I was making payments towards the student loan forgiveness program. 
In order to qualify for this program, I was supposed to work in a health administration office for several years and that qualified me because at the time, I was working for XXXX XXXX XXXX. 
I was re-certifying with Fed loan services and making payments as scheduled, but noticed that balance was never going down. 
I called Fed loan services, in XXXX and was told by a representative that I was not in the forgiveness program, but that I was in the re-payment plan.. I explained that when I first started with fed Loan services, that I was supposed to be under the forgiveness plan and that by this time, my loans should be forgiven.. Representative stated, ( XXXX ) stated that he would send me the application needed for me to fill out and send back to them to be on that program. He also stated that all my years of working in the health care industry would be taken into consideration. I filled out the application and advised on the application that the company, I previously worked for is closed but that I have all my income tax paperwork if needed. I also submitted information to the phone number and address to the corporate office to where I worked. 
Submitted all the information and waited -- Supposedly in 7-10 business days, I would get a response. Days passed, I called Fed-loan and representative explained that it was still in process.. Representative also stated that reason it was taking so long is because they did not have information for my previous employer.. I explained once again that i submitted all I had and also contact information., I was then told that my paperwork was still under review and that I needed to wait. 
I have called several times, and have been told that my paperwork is in compliance and that I must wait for an answer.. 
Then I have been told by supervisors that I should be receiving an answer within a couple of weeks.. 

I come to you because I applied for this in XXXX of 2019, and we are now in the month of XXXX and I have yet to receive an answer in regards to my application for the student forgiveness program from Fed Loan, This is horrible.. My student Loan should had been forgiven months ago, but yet as I can see, I am under the re-payment plan and still my balance has not gone down, but as a matter of fact increased due to interest.. 

I am in need of assistance.. I am in need of help.. I have yet to hear from anyone in Fed Loan. 

My name is XXXX XXXX XXXX My phone number is XXXX Please help me, Thank you Kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: FL
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had account with Wells Fargo around 2012 and want to see if I qualify in settlement

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 2018-11-20
Company: Cordoza & Wexler Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have called the company on several occasions and they never answer. the calls get disconnected. they call every day and now have contacted my employer. I have asked them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have begged, written and disputed, with Equifax to remove the fraudulent account From XXXX currently reporting, and in fact REINSERTED. I provided all the requested documents in regards to the FACTA AMENDMENTS to the FCRA for blocking. I specifically said I was not disputing the information was fraudulent and you had blocked it and then you incorrectly split my file and REINSERTED. They're unwilling to own up and rectify the mistake. Despite the sea of proof that is retained when I originally had complained to the CFPB. Additionally, the ftc requires them under federal law to block within 4 days, they have the audacity to continue to break it despite having the most treasonous data breach that also resulted in the multiple of executives charged criminally by the United States Department of Justice. Does this company ever follow the law it's becoming increasingly obvious that it believe it doesn't have to. I demand they remove the account, they've also refused to send me a copy of my report despite the dispute! And request to block

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Capital Accounts dated XX/XX/2019 that says I owe XXXX XXXX   {$360.00}. Following are the facts on that billing to me ; -- I got a procedure done at XXXX XXXX XXXX XXXX and apparently XXXX XXXX provided XXXX  and some supplies at that practice. 
-- I got bills from XXXX XXXX XXXX XXXX, a XXXX, a XXXX and XXXX XXXX. They all had filed the insurance claim and I needed to pay 10 % of the covered amount as per my insurance situation. 
-- XXXX XXXX filed claim only for XXXX service and I am supposed to pay {$25.00} for that. But the bill I received from XXXX XXXX was {$270.00}. I called them on XX/XX/2019 and then on XX/XX/2019 but the lady could not answer the charges. Finally a manager called a few days later and told me that apart from {$25.00} for XXXX there is a {$250.00} charge for supplies that was not billed through insurance because XXXX XXXX is not in the network ( of my insurance ). 
-- On XX/XX/2019 I talked to XXXX XXXX XXXX XXXX where I received the services and asked them why did they hire someone to provide supplies who was not in my insurance network. They said that they will talk to XXXX XXXX and it has to go through insurance. 

So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. 

This charge of {$250.00} is a rip off, it is amazing how XXXX XXXX is in network for XXXX   service but not in the network for supplies. I never ordered any supplies or services from XXXX XXXX. I understand they work with XXXX XXXX XXXX XXXX where I got service and I have paid every component of that service which was legit. If they send me a corrected bill I will be glad to pay off {$25.00} for XXXX service. If any other charges are legit they can go through the insurance and I will take care of my portion as required. 

I sent dispute letter to Capital accounts and they keep sending me bills. Over the phone they told me that they consider the charges legit based on what merchant says. It is not their job to validate the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: IL
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:
on XX/XX/XXXX I notified Experian that there are unauthorized and unverifiable information being reported to my consumer report, I have to give Experian written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon. In light of the recent investigations brought upon Experian Ive found that my consumer file has been tampered with. Experian have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. Experian is continuous reporting unverified accounts on my consumer report. XXXX did the right thing by removing the inaccurate, unverified information from my report once they saw it was violation of my consumer rights, Experian is still reporting this information which does not line up with my other Consumer reports. For the past 2 year I have made several attempts to remind Experian of their duty to uphold the law, my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Experian Certified documents under the penalties of perjury to support my claims. Experian has infringed upon my basic consumer rights. It is their responsibility to make sure all information is accurate and in perimeters of the law. Experian is continuing to ruin my reputation. It's unfair that i'm not able to support myself due to the things that being reported to my consumer report. Credit Reporting is voluntary and always has been according to the FCRA.

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 2022-09-04
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: Account status incorrect

Complaint:
I tried to buy a used XXXX XXXX from a used car dealer and I was not able to register the vehicle because XXXX XXXX NOR THE DEALERSHIP HAD A TITLE for this car, so I demanded all my payments and my down payment of {$15000.00} back. They both had ( 7 ) months to obtain a title and neither one could produce one, so after my money was returned.XXXX XXXX reported me t the credit bureaus as ( 30 ) days late, which decreased my credit score by nearly ( XXXX ) points. Now they refuse to correct their mistake for violating the Ga state statute on selling cars without a valid title and leal ownership.

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 2021-08-09
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: LEXISNEXIS
State: NJ
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-04-17
Company: TransferWise Ltd
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I sent a remittance on the wise website. I made a mistake when filling in the beneficiarys account number. The beneficiarys account number is XXXX. This remittance has been completed. I hope the receiving bank can return the money. Thank you very much. 

Amount : U.S. Dollar amount Recipient Bank Name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Number : XXXX For the Benefit of ( XXXX ) : XXXX XXXX XXXX XXXX Bank Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CONTINUE TO CALL MY WORK, I AM IN PROCESS OF TAKING CARE OF THE {$600.00} DEBT CONTINUE TO CALL EVEN AFTER XXXX AT NIGHT ATLEAST XXXX A DAY. THEY HAVE CALLED MY WORK 3 XS THIS WEEK

Company response to consumer: Closed with explanation