BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
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 have sent notices to XXXX, XXXX, Equifax about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: VA
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:
equifax continues to report these accounts incorrect. ive called them multiple times and they refuse to fix. they are reporting indigo account as of 120 days late as of XX/XX/2020 the connotation is also incorrect on this account. they hve a XXXX balance which is correct but its listed as a charge off which is incorrect. how can it has a XXXX balance and be 120 days late as of the last report cycle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Franklin Collection Service, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear CFPB, all three credit bureau and Franklin Collection, I have received a notice from the collection firm Franklin Collection ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX  that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and XXXX.thankyou in advance CFPB for your help with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Comenity Bank/Victoria 's Secret is reporting two duplicate accounts to XXXX XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have unauthorized inquires on my report as of XX/XX/2022 I want them deleted as I did not receive anything for these inquires and It brought my score down and made it impossible to obtain products for personal and family use. I have tried contacting the company who 0auhorized these inquired but they denied having any fault to the inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have two Federal student loans currently being serviced by Nelnet with a combined balance of approximately {$120000.00}. The balance on these loans is higher than it should be for the reasons discussed below and I have so far been unable to resolve the issue with Nelnet directly. In 2014, I sent a recertification form to Nelnet by fax to renew my Income Based Repayment Plan ( IBR ), which is required to be renewed each year. A few weeks after sending it however, I received a monthly statement showing that my student loans had been switched to a Standard Repayment Plan instead. When I called Nelnet to ask why this had occurred I was told that they had not received the recertification paperwork and that I would need to resubmit it in order to get back on the original IBR plan. I did resubmit the paperwork and it was eventually approved. However, on XXXX XXXX, 2014, Nelnet incorrectly capitalized {$4500.00} of accrued interest as a penalty. This penalty should never have been levied since I fulfilled the requirement to send the recertification forms on time and I received a confirmation by fax that the documents had been successfully received. Nelnets employees either misplaced the forms or failed to record them properly in the companys computer system. Even so, Nelnet has yet to reverse the {$4500.00} interest capitalization. Even more egregious, the telephone assistant at Nelnet who discussed this issue with me at the time recommended that I apply for a Forbearance so that I would not have to make a monthly payment until my resubmitted IBR recertification had been approved. What she failed to explain to me is that by requesting a Forbearance, all of the remaining accrued interest on my outstanding student loans would be capitalized, resulting in the loan balance increasing by {$12000.00} and interest expense increasing by nearly {$900.00} per year. Had I been informed properly I could simply have made one monthly payment to avoid this additional {$12000.00} in capitalized interest. However, I was not given this information. Instead I was given the bad advice to proceed with a Forbearance even though this course of action was clearly not in my financial interest. The representative who instructed me to do this obviously did not understand the consequences of filing a Forbearance and should not have been placed in a position to advise borrowers. Over the life of the loan, this will cost me approximately{$17000.00} in additional interest and is the direct result of poor training given by Nelnet to their customer service employees. Nelnet has so far refused to take responsibility and reverse the capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: ID
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. DPT ED/XXXX  XXXX : DPT EDXXXX 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 2019-06-07
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:
Im trying to remove my bankruptcy XXXX I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I request a credit report from Experian and find that there are 3 inquiries which are not result of my action as followed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ME XXXX ( XXXX ) XXXX XXXX Address ID # ; XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX/XXXX XXXX  No phone # available Address ID # : XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX Address ID # : XXXX Date XX/XX/XXXX Reason Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I suspect of identity theft and need to fix these discrepancies. 

Then I file complaint no. XXXX but Experian refuses to remove these inquiries.

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 2019-06-07
Company: Nelnet, Inc.
State: OK
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:
on XX/XX/2019 we recieved a letter stating my student loans would be consolidated on XX/XX/2019 and the first payment would be due in 60 ( about ) does not mean 30 days. Today they suddenly changed the terms without our knowledge and want it due on XX/XX/XXXX. I called and spoke with someone a couple weeks ago and he assured me it would be XX/XX/XXXX. They only called me a liar and said it was XX/XX/XXXX when I have documentation first payment will be in XX/XX/XXXX. They are practicing illegal loan terms and need to be investigated. I will be getting a lawyer. The loan is XXXX a month for 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,  XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, WXXXX, XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX OF 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 OXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2020-11-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo continuously charges me overdraft fees for the same charge also I spoke with them on XXXX and a few months back about money disappearing out of my account it shows in my account that I have a certain amount of money in there and when I tried to switch the funds over I received an alert telling me that I didn't have access to the funds. It told me I didn't have that amount in there when I'm looking at it show me, it was {$200.00} the first time and then afterward it was about {$400.00} mystery missing which I couldn't prove at the time because the money disappear I spoke with a young lady a few months ago who works at wells Fargo who admitted that they were fraudulently opening up accounts and taking money from out of people account, but she assures me that they were no longer doing that because they are under new management, well that's a lie. On XXXX the guy that I spoke to told me that I did not have enough funds in my account to cover to restaurants XXXX & XXXX XXXX which is a lie because you can not get to those restaurants and get food with no money because it will decline also I don't have overdraft protection and I did not go to those restaurants on the days they say I went so that's the first lie they told then I get charged {$35.00} each time for that two transactions plus another {$35.00} for a credit card bill two times. I hope ya look into this deeply because wells Fargo are still doing fraudulent activities and at this point because they refuse to acknowledge my complaint I will be contacting a lawyer and news station.

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
Consumer complaint received 2019-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/2014 I was an XXXX XXXX member ( XXXX XXXX  ) with theXXXX. I purchased a used car and used USAA to finance the loan for the car purchase in the amount of {$12000.00} with an interest rate of 16.99 %. At the time i was new to auto purchases and lending and did not have any knowledge in regards to what an acceptable and reasonable auto loan interest rate would be, so i accepted the loan. Now 5 years later i have become more financially knowledgeable and have learned that 16.99 % is a predatory rate for auto loans and i feel i was preyed upon by USAA in addition to them violating the Military Lending Act. I am now in XXXX status with the XXXX XXXX and my financial situation has also changed drastically since i am now XXXX XXXX to further my long term career. Since then the vehicle has suffered some trouble and is a non-operating vehicle, so currently i am paying {$280.00} per month on a vehicle i am not able to use and is still subject to the 16.99 % interest rate. My remaining balance is {$5000.00}. I have reached out to USAA to try and work out a solution and they have told me that the only options are for me to default on the loan which would impact my credit score negatively or continue to make the payments and surrender vehicle and that would also impact my credit negatively. I have offered to surrender the vehicle in exchange for the remaining debt being wiped but they have declined and have refused further help. Any help you can provide is greatly appreciated. Please contact me at XXXX with any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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:
contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already paid and I have contacted equifax and told them that I have paid this debt five to six years ago. I also contacted the company which stated this should not be on my credit but equifax refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: ID
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:
Please reverse the late payments reported on the following accounts : XXXXXXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these 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 2023-01-18
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX 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 the 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 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One XXXX XXXX  XXXX XXXX VA XXXX has reported inaccurate information on account ending XXXX. The account was compromised due to fraud, a claim was filed claim # XXXX. This claim was found to be in my favor. There was a credit of XXXX credited to my account. Capital One is still reporting this derogatory information to my XXXX report. At the current moment the account ending in XXXX is currently open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: COAST PROFESSIONAL INC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My student loan was deferred but even making minimum payments at the end of the year with penalties and interest charged I was going nowhere. I was contacted by XXXX XXXX XXXX and advised them at the time I could not make payment arrangements. After filing my tax return I received a letter from the IRS that my refund would be deducting my student loan amount owed. So I received less in my federal tax return. Maybe a month or so after that I got a call from XXXX XXXX XXXX stating I owed XXXX I explained that the IRS had just kept my return and how could I owe more money and the representative stated they never take the full amount after the conversation I received a letter stating my pay is in review for garnishment. Now I scared because I dont know whats true.

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