BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I was given a student loan in 2007. However it was never sent to my school, it was sent to me, wells fargo never verified through the school the amount of tuition or any financial aid I had received. By law it does not qualify as a student loan.as some of the funds were not used for educational purposes. I was never told all of my payments were going to go to interest and not the principal. I've paid over 18000. On a XXXX loan and still being told I owe XXXX!! This is deceitful and ridiculous not to mention the loan does not qualify as a student loan. This is so beyond wrong! Wells no longer processes student loans this way so when I call no one can help me or knows what I'm talking about. Absolutely horrible.

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 2023-06-09
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:
As of XX/XX/XXXX XXXX XXXX I have noticed fraudulent account ACCOUNT NAME XXXX XXXX XXXX XXXX - XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Phone number XXXX XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: CA
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, XXXX XXXX XXXX. Account # XXXX and XXXX XXXX Account # 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 2020-02-07
Company: Bread Financial Holdings, Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
I started my comenitybank/victoriasecretpink card acount for four years and set up an automatic payment service to avoid late payment. However, last XX/XX/XXXX I started to receive text message which says " we keep missing you, call comenity bank @ phone number or log on the website. '' Since it's not convenient to call, I clicked the website and try to log in with my SSN, and the page turned to 404 not found. I thought it's a scam so I stopped after several attempt. Then I kept receiving text message and email with the same content, every time I tried to log in, it shows 404 not found and I feel confirmed that it's fraud so I didn't care. 

This month, I realized that my purchase in XX/XX/XXXX haven't show up in my checking account, so I log in through Victoria 's Secret official site and it showed I have two missed payments ( XX/XX/XXXX and XX/XX/XXXX ) and my credit report has been badly affected by this late payment. I failed to apply for another credit card for this reason. Eventually, I paid for the balance as well as the fine, but I don't think it's my fault since their website kept bugged out. And the late/missed payment record in my credit report is not a correct description. 

I have been a credit card user for almost six years and never missed any payment, there is no way I missed this small amount payment on purpose. And I don't think it make sense to lower my credit score because of the bank 's technique issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, XXXX XXXX XXXX. Account # XXXX and XXXX XXXX Account # 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 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 2022-07-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2019-09-19
Company: ERC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I decided to switch over to XXXX to get a better monthly plan and also was able to get a brand new XXXX XXXX but when I was there they just treating me as a quick sale didn't tell me anything about the phone 's especially about the back of the XXXX How It's Made of pretty much glass and we'll always shatter so they never told me that I should get a case immediately so I ended up cracking it the first day in two hours and it overheat and I told him, at XXXX in XXXX XXXX. all these problems I told her and they said they're bringing my phone, they had my old phone and then they have me for 2 hours there can I love doing a factory reset and took out all my pictures contacts videos over the last 12 years of my family friends people that are no longer with me pretty much told me oh well so after the service ran out I was all set with them and I'm still am and I'm looking to counter Sue because I have no way of getting those pictures back and I would like to know what I need to do for steps to actually Sue or  counter-sue and I would also like to see this dropped immediately it's just seems like no one 's caring about what happened to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-19
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2018-02-16
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This item just recently appeared on my report Midwest Recovery. I don't have any idea who XXXX XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Nelnet, Inc.
State: CA
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:
My loan servicer was recently changed from Great Lakes to Nelnet. I made an account to monitor/interact with Nelnet and found that their website states my first loan repayment is {$3000.00} per month starting XX/XX/XXXX. This did not match what my estimated monthly payment on PAYE ( which is my repayment plan for all my loans ). I called and spoke with a representative from Nelnet on XX/XX/XXXX who stated that I needed to apply for an IDR -- which I pointed out that ALL my loans on on PAYE. After multiple holds, he could give me no information as to why the monthly payment amount or the starting date stating " your loan repayments aren't even starting till next year, so I wouldn't worry ''. This response was unacceptable & I'm highly concerned about the competency of Nelnet to handle loan servicing. I am expecting repayments to start XX/XX/XXXX with income-driven repayment guided amounts via PAYE -- despite bringing this to Nelnet 's attention they have failed to resolve this issue, prompting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-13
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am reaching out to you because I have tried multiple times before to solve this issue with XX/XX/XXXXXXXX XXXX. Before the pandemic started I had a membership with them, then they closed because of COVID but they kept charging me so I called them to let them know the issue and to cancel my membership. They refused to cancel it over the phone and I was told I had to come in person to do it. Keep in mind, they are closed because of COVID, everyone was supposed to be in quarantine and they really asked me to come in person. Anyway, I did actually visit them 3 times and every time, nobody was available to cancel it. So I decided to call AGAIN and try to cancel it AGAIN while they were still charging my card. Oh, and lets not forget the time when they charged me {$420.00} by mistake and couldnt refund it back to my card so I had to dispute the transaction with my bank. Anyway, this time I told them that they needed to cancel my membership and I did everything in my power to do so but they were not helping at all and were being very difficult. It seemed to me like they did not want to do it so they could keep charging me. So apparently I finally got a hold of someone who said they had already cancelled it and that I shouldnt be charged anymore. BUT, the next month they charged me double the amount of my membership. So I called and their response was that it was an annual fee for equipment maintenance. At this point Im very frustrated already. I thought my membership had been cancelled I said, so I found out that it had not been cancelled and I was still getting charged. So, i asked again to please cancel it and refund me my money, they said they couldnt do it. So I went to my bank and disputed the charge AGAIN and called them back and CLEARLY told them they need to cancel the membership this time for real. And apparently it seems like to this day they have not done so because I received a letter from First Credit Services saying I owe {$300.00} past-due obligation. Really?? I need to speak to someone about this please because this is fraud. I dont know what else to do at this point. I have tried everything I could and this has gone way too far. I have proof of an email I sent to the manager back in XX/XX/XXXX asking them to stop charging my card and to cancel the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Account name : XXXX XXXX XXXX Collection Account : XXXX 15 USC 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 account without my instructions Equifax deleted this account and re added it but with no proof or didnt mention anything in the first 5 days. This is wrong this isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: IA
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:
Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX XXXX XXXX to collect.

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 2023-04-26
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: Old information reappears or never goes away

Complaint:
XXXX XXXX and XXXX XXXX are linked to my credit report. I rented one of their homes and moved out without owing any money back in XXXX. However, it is now XXXX and I'm still being referenced with this couple. I was asked how old XXXX was on and identity test! I need their information removed 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 non-monetary relief
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
This Is XXXX XXXX and I am submitting this CFPB Complaint in response to your recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. YOU ARE REPORTING A DELETED ACCOUNT AND INFORMATION FROM THE OTHER CREDIT BUREAUS. UNDER THE FAIR CREDIT REPORTING ACT, CREDIT REPORTING MUST BE ACCURATE. Please conduct another investigation into the items below : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Conn's, 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: Account information incorrect

Complaint:
I noticed a change in my credit score few weeks ago and when reviewing my payment history is not correct and an account that was showing closed and reporting properly is now showing up correct I filled a dispute with XXXX XXXX XXXX and it said that the info was showing correct. I had filed bankruptcy and was discharged XXXX XXXX  XXXX. this debt was part of that and has been reported properly since then. i then reported the issue to the company conns, due to the false reporting. first they responded saying the info coming from XXXX XXXX is not up to date, and that i need to use the credit report from the actual credit report not third party. so I got a 2 reports and and sure enough is showed changes made on XX/XX/2022 adding an amount to my balance, and on the other a balance being added XX/XX/2022 for both XXXX. I then send said screen shots of their respective info from my report and asked to be corrected and they still refuse to fixe it. this is now becoming slander and false reporting and they know that this account should be closed and they have that is was in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 Bank of America, charged me a late fee of {$25.00} for my account ending in XXXX. I had submitted my payment on the XX/XX/XXXX but kept getting an error message. It said I had to enroll in bill pay. So I had to go to the full site and then use the mobile site to make the payment. This was not a payment I submitted lay but due to a glitche on Bank of America site.

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 monetary relief