BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: WI
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:
Account name : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: Nelnet, Inc.
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:
Dear CFPB, I am writing to complain about the processing of my SAVE plan application by my loan servicer, Nelnet. I submitted my request on XX/XX/2023, through StudentAid.gov. Question number 11 on the application asks, " Has your income significantly decreased since you filed your last federal income tax return? '' I answered " No '' and provided my most recent federal income tax return. 

On XX/XX/2023, I called Nelnet to confirm what document I needed to submit. I was told that only my 1040 tax file was needed and that the wait time was 15 business days. I submitted my 1040 immediately after the phone call. 

I did not hear anything from Nelnet after 15 business days, so I called again on XX/XX/2023, to ask if everything was fine and if I needed to provide any additional information. I was told that everything was fine and that the wait time was 15 business days. I was told that I could call back in a week to check the status. 

On XX/XX/2023, I called Nelnet again because my application had still not been processed. I was told that my answer to question number 11 had been changed to " Yes '' and that I needed to provide pay stubs. I was also told that there was a note on my application requesting pay stubs from me and that my application had been on hold since XX/XX/2023. I never received this notice. I had called Nelnet twice before and spoken to a supervisor, and no one had ever informed me that my application had been changed for no reason and without my consent. This is unacceptable. 

Every time I call Nelnet, it takes about 2-3 hours to speak with a representative and another 45 minutes to 2 hours to reach a supervisor. The last time I called them, I submitted my pay stub during my wait time for the supervisor, and was told it will take at least another week only if expedited request is approved and was told this is the only solution available. Nelnet is extremely non-transparent with information and policy. I was told that one form was needed, and then later that the form was not needed. In fact, no one from Nelnet has ever explained to me the difference between the REPAYE plan and the revised REPAYE plan, which has caused a delay in my application to the SAVE plan. 

I believe that Nelnet 's handling of my application has been negligent. I have provided all of the required documentation, and I have spoken to representatives and supervisors on multiple occasions. I am still not sure why my application has been delayed, and I am concerned that I am being penalized for Nelnet 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: VA
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 reported an issue with Equifax on XX/XX/XXXX, one of the many issues is that EQUIFAX will send me a copy of my report but has yet to unfreeze my credit report online. This is the XXXX request. Each time I contact Equifax I am told it takes several months to lift the freeze. I removed the freeze on XX/XX/XXXX and still can not have my mortgage lender obtain my credit report. I have missed several opportunities to purchase a home because Equifax will not correct the issue on the system. It should not take XXXX  months to lift a credit freeze. I entered the dates I need but the credit report remains locked. Once the timeframe expires it resets back to freezing the credit report again. My compliant is to correct this and not keep sending paper reports as my lenders need access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
It is crucial that you promptly eliminate this incorrect account from my record. I urge you to thoroughly investigate this matter and take the necessary steps to rectify this error as soon as possible. Your immediate attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a indoor security camera from Sams Club online and it was " defective '' ( did not work, would not connect to WiFi ). So I spoke with a rep and I returned the merchandise via XXXX XXXX as required, and they still have not credited my Sams Club credit card for the amount of {$100.00} as of todays date, XX/XX/2022. ( see attachments ) of chat with a Sams Club representative and other pertinent information regarding the purchase of the merchandise. I provided proof of delivery return ( see attachment ( XXXX ). I want the refund " Due me ''.

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 2023-06-29
Company: EQUIFAX, INC.
State: IN
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:
The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX XXXX XXXX XXXX XXXXXXXX of XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX of XXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: SC
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 # 's XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Synchrony Bank! Has DAMAGED MY CREDIT I WORKED SO HARD FOR! 
XXXX. XXXX {$5000.00} credit line decrease me to {$1600.00} never 30 days late. 
XXXX. Care Credit  {$11000.00} credit line decreased to {$6000.00} never 30 day late. And I had to cancel my dental appt for a bridge I was supposed to have done. 
XXXX. XXXX  {$5000.00} credit line decreased to {$480.00} never 30 day late. 
XXXX. XXXX XXXX XXXX {$4500.00} decreased to {$3500.00} and Synchrony bank closed this account with balance never 30 day late. 
XXXX. XXXX XXXX paid off card {$4000.00} credit limit account was closed. never 30 day late. 
I feel this should have not happen during a pandemic and high inflation. I had to lived off my credit cards to eat and survive ; and through it all I still managed to pay all my credit cards obligation on time. 
My debt ratio flew sky high because of Synchrony. my other creditors reviewed my credit report and one by one my other credit card limit start decreasing. it has cause a domino effect and I now all my credit cards have been decreased. What took me years to build, Synchrony took seconds to demolish my credit! 

MY CREDIT IS RUIN BECAUSE OF SYNCHRONY! 
STAY FAR AND AWAY FROM THIS BANK! THEY WILL RUIN YOUR LIFE!

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 2023-04-11
Company: Experian Information Solutions Inc.
State: OH
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Was not notified of investigation status or results

Complaint:
I have disputed these inaccurate accounts on my credit 4 times. It's been over 7 months and the credit bureaus have failed to do their job. As of this day I have not received any proof of how these accounts were verified for accuracy. I certified mailed dispute letters dated XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. These accounts are hindering my ability to obtain credit. If these accounts are verified accurately I will be pursuing legal action. I ask for the last time to investigate these accounts and send me proof of the documentation you used to verify these accounts for accuracy. I have attached my latest credit dispute letter dated XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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 information incorrect

Complaint:
I sent a let out on XX/XX/XXXX to XXXX, and XXXX. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB to Experian However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX  : XXXX XXXXm According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' or portion thereof in which information on a consumer 's 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.

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 2023-05-26
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Previously, I had made payments online with Discover. My payment history demonstrates this. Two months ago, I went to make a payment and the system asked me to re-enroll my account. I did, and was still unable to make a payment. Unfortunately, I was out of the country and did not have access to a phone, simply internet. The payment went past due. I sent a check, they apparently also didn't receive it. Now my account is past due 60 days on my credit, I went to go make a payment this morning online and was unable to do so. They asked to re-enroll my account, so I submitted my banking information again AND it would still not allow me to make an online payment. I had to call ( thankfully I had cellular availability ). I was advised by XXXX in Ohio on XX/XX/2022 ( she would not provide any identifier to me ) that their online system has been having trouble with payments. We proceeded to do a payment online. However, she would not work with me on the inaccurate information that was now reporting on my credit bureau. Had there not been any online problem with their payment system, I would not have been late. It is that simple. It is also telling that I didn't need to re-enroll or provide any payment information to the agent on the phone- discover already had it ; due to their error, I have been unable to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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. 


Account Name : XXXX XXXXXXXX & Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 2022-11-29
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-06-29
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: Information belongs to someone else

Complaint:
I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX  XXXX {$650.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with non-monetary relief