BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Wells Fargo credit card account was closed withouht any warning. The car was was an always had been in good standing with the bank. I had ALWAYS made payments on time. I spoke to 6 WF reps on XX/XX/12 regarding this matter. Wells Fargo credit card services even verified that my account was in good status. I was told that my card was closed because I had another account that was closed years ago by Wells Fargo was not in good standing. ALL of my credit card rewards were erased. I was never warned that his may happen. I have been robbed of all of my rewards.I feel that Wells Fargo has tricked me and closed my account simply so they can continue to add illegal interest on my account. I was deceived and prayed upon.

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 2022-10-23
Company: CL Holdings LLC
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capitol I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information. 

I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but Jefferson Capitol refused to remove it. 

XXXX and XXXX are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: NorthShore Financial, L.L.C.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, Ive been charge the total of {$410.00} from services of NorthShore XXXX XXXX XXXX  on XX/XX/. On this day I had to go XXXX Room with intolerable levels of hardship, due to an accident during my first day of work. The companys insurance was supposed to provide help. I never heard back from them and I dont have the money to pay for it. Im still injured.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-02
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-02
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 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a loan in 2006 and have paid over {$18000.00} on a loan disbursement of {$10000.00}. They just notified me of another payment adjustment ( unknown why, none of the reasons fit my situation ), but on the notice they state total repayment is {$17000.00}, which I have exceeded. Their site shows total interest paid of almost {$13000.00}, but my balance is still higher than original distribution of {$10000.00}. They can not provide me a thorough accounting of payments and my payment history online indicates principal paid of {$5700.00} and loan term of 120 months. Have paid on this loan for 10 years this year. The accounting seems 100 % fraudulent. This demands a thorough investigation and consumer protection to provide how my most recent notice of payment change still shows I owe another 114 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
TransUnion has been ignoring my formal dispute letters for over 92 days now. I sent them all these letters via USPS certified mail green receipt return. I have implored them to investigate several inaccurate accounts which are negatively affecting my credit report and reputation. However, they continue to blatantly violate the Fair Credit Reporting Act ( FCRA ) by not responding to my past letters, not investigating, and not taking any actions in accordance with federal laws. Attached below is the most recent letter I sent them which they are in receipt of and have once again failed to act on in over 30 days as the FCRA outlines. At this point in time unless they delete these inaccurate accounts immediately, with the help of my local State Attorney general I will engage in litigation against them.

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 2022-04-25
Company: Financial Business and Consumer Solutions.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There is an old credit card debt from XXXX bank supposably XXXX the amount should only be XXXX which was the actually limit back in XXXX. I lost my job and could not pay the debt back at the time. This company closed the account wrote it off and the debt collector fbcs instead of contacting me years ago they just started now in XXXX threatning me stating that they will come to my job etc. I got a letter this year XXXX for a debt thats almost 6 years old stating that its an attempt to collect. Why wait all these years especially after writing it off and never attempting years ago? I'm having a hardship with children and these people are just cruel and unprofessional. I haven't had the chance to decide what to do with the letter because im not sure whether it would make a difference on my credit at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-08-02
Company: SERVICEMAC, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance and tried to make payments during forbearance and was told 3 different times by Collections department that I can continue to make regular monthly payments after forbearance. Now, the loan servicing company is telling me that I have to pay the {$6100.00} arrears amount in full. 
They will list a foreclosure sale data for XXXX but I will list the house for sale on XX/XX/2022. 

I know this will not delay anything but I wish your agency should something about these business practices. The Collections department recorded my conversations with them and typed in notes but every time I speak with someone from Collections department they ask the same questions as two days prior.

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 2022-01-04
Company: Nelnet, Inc.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I declared XXXX  XXXX bankruptcy in XX/XX/2021 and all my debts were discharged XX/XX/2021. It was determined that Firstmark ( who bought a private student loan from XXXX XXXX ) was discharged, because it is a private student loan that was not used for tuition. No credit counseling, entry or exit, was done prior to giving the loan, which is a violation of federal law. Also there is no instrument of original indebtedness and Firstmark could not provide evidence any contractual obligation to pay, that bears my name and signature. I repeatedly informed Firstmark that the debt was discharged and to please verify the debt, provide evidence of contractual obligation to pay, and proof of credit counseling. They threatened me stating they would report me to credit bureaus if I did not pay them {$50.00} minimum payment. I caved to their illegal activity to protect my credit and paid the {$50.00}. They proceeded to defame me with the credit bureaus, tanking my score by over 90 points. I contacted them to correct this and they refused.

Please help me resolve this situation. Firstmark is nightmarish and negatively impacting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge differenceXXXX XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: CA
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 have filed a police report and supplied it to Equifax, XXXX, and XXXX. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX Original creditors : XXXX XXXX, XXXX XXXX XXXX, and XXXX bank. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over 50 people doing the same to them. I have supplied enough proof to show this isn't my information. I have over 100 fraud inquiries as well that they won't remove. 


I would like to add Equifax has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXX this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is problematic. Dipsuted information still has no been removed, they refuse to provide credit score and report unless you pay ... which I did and still can't get resolution. XXXX/XXXX  is not a valid debt. XXXX has sent me validation of cancelation of policy, emails, proof of credit they owe me and STILL it is not removed as derogatory on my report. They also refuse to remove other accounts over 8 years old after many attempts and disputes. I'm sick of it. Fix this!! 

XXXX  needs to remove this items. 

XXXX  needs to confirm they have removed them.

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 2022-10-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was sickened by report number XXXX! This should be illegal, OH WAIT, IT IS! Experian received gains and benefits from knowingly transferring identification documents, authentication features, and/or a false identification document knowing that such document or feature was stolen or produced without lawful authority, therefore, committing identity theft. ( 18 U.S. Code 1028 ) Experian is grossly violating federal law against me the consumer by continuously ignoring 15 U.S. Code 1681 subsequently eroding public confidence. Experian is operating in an unfair and inequitable detriment to me, the consumer. Experian continues to act with no regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 U.S. Code 1681 Also, by Experian ignoring 18 U.S. Code 1028, Experian has received value and gains by transporting information for the unlawful assembly of inaccuracies resulting in its identity theft, it being without my written permission and without my instruction. Experian tried to intimidate, inconvenience, and enslave me and bully me to walk away from my rights. Experian ignored the law and prevented me from enjoying my consumer rights. Experian made it hostile for me the consumer to make contact with it. Experian 's unlawful assembly is a subsequent identity theft that has hurt my being. Experian 's improper utilization violated Federal Law and me as a consumer by causing me to unfairly lose many opportunities and vast resources. Experian 's agents rudely led me in circles only to come back and deny the grave duty Experian has as a Federally regulated entity.

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 2022-08-24
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:
I am a natural person, I am a living human being, I have right under 15 USC 1681. 

Experian XXXX XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian  XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXXXXXX 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 2022-09-29
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On or around XXXX XXXX, my Google subscription was hacked. They were able to take over my Google account and virtually hack into my banking. Also, they were able to reset my phone. Because my account ( XXXX ) was changed they said I have no recourse. Everything I have is in that account and Google me to go around in circles while my banking is being pilfered ( {$250.00}. ) so far. Also, accounts are being opened in my nameXXXX XXXX XXXX XXXXXXXX XXXX, to name just a couple. My life has been absolutely turned upside down because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
They cost me membership twice and now my bank overdrawl and bank fee add on it.. No way to call them cause XXXX.. it should be open on XXXX  and XXXX  but they changed closed on XXXX.. also other I applied two XXXX  for loan new one.. they send to many different lenders without my permisson.. now i have bad hard injuriries.. that hurt my score..

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