BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Experian Information Solutions 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:
THE CREDIT AGENCY EXPERIAN REFUSES TO REMOVE NEGATIVE ITEMS FROM MY CREDIT REPORT! THESE ITEMS ARE LISTED BELOW : ( 1 ) XXXX  ( 2 ) XXXX XXXX XXXX XXXX THESE COMPANIES WERE CONTACTED BY ME AND I WAS TOLD BY THESE COMPANIES THAT THEY DID EVERYTHING THEY ARE SUPPOSE TO DO AND NOW IT'S THE RESPONSIBILITY OF THE CREDIT BUREAUS TO DELETE NEGATIVE ITEMS FROM MY CREDIT REPORT. I RECEIVED AN INVESTIGATIVE REPORT FROM EXPERIAN ON XX/XX/2020 AND THE ABOVE ITEMS ARE STILL ON MY CREDIT REPORT. 

XXXX AND XXXX HAVE ALREADY DELETED THE ABOVE NEGATIVE ITEMS FROM MY CREDIT REPORT, HOWEVER EXPERIAN STILL REFUSES TO DELETE THE SAME ITEMS OFF OF MY EXPERIAN CREDIT REPORT AND I HAVE TO ASK THE QUESTION???? WHY? WHY? WHY? WHY? WHY? WON'T EXPERIAN REMOVE THESE ITEMS OFF OF MY EXPERIAN CREDIT REPORT???? 

I HAVE WROTE TO YOU SEVERAL TIMES AND FILED A COMPLAINT AGAINST EXPERIAN AND TO THIS DATE THE ISSUE STILL HAS NOT BEEN RESOLVED! WHY? WHY? WHY? WHY? WHY? 

I HAVE SENT EXPERIAN ALL DOCUMENTS SHOWING THAT XXXX AND XXXX  REMOVED THE ABOVE NEGATIVE ITEMS OFF OF MY CREDIT REPORTS FROM THEM AND I ASK THE QUESTION AGAIN WHY EXPERIAN WON'T REMOVE THE SAME ITEMS????? 

ALL ( 3 ) CREDIT BUREAUS BY LAW ARE TO SHOW ALL THE SAME INFORMATION AND EXPERIAN OUT RIGHT REFUSES TO DELETE THE ABOVE INFORMATION! 
THIS CREDIT REPORTING AGENCY ( EXPERIAN ) IS THE FAR WORSE CREDIT REPORTING AGENCY THERE IS AND FRANKLY I'M SICK AND TIRED OF THE RUN AROUND EXPERIAN IS PUTTING ME THROUGH AND I WOULD EXPECT THE CFPB TO ACT SWIFTLY TO GET THIS MATTER RESOLVED AND MAKE EXPERIAN COMPLY AND DELETE THESE NEGATIVE ITEMS OFF OF MY CREDIT REPORT!!! 

EXPERIAN IS THE WORST CREDIT REPORTING AGENCY EVER!!!!!!!!!!!!!!!!!!!!!

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 2019-05-28
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: 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. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : 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 2020-04-17
Company: Experian Information Solutions Inc.
State: NC
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 contacted this creditors and the credit reporting bureaus on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below were opened in result of identity theft. My information was exposed in 2018 XXXX data breach.

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 2020-04-17
Company: Navient Solutions, LLC.
State: DE
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 servicer is Pioneer Credit. I let them know that I was having a financial hardship because my husband was now XXXX and i had small children and i didn't know when i could pay them, they set me up with a payment rehab, but it was an individual one for each of the loans that I had and they told me that that was the only thing that I could do, i did it to try not to damage my credit any worse ... once my time ran out there I then called back and was told that had I not taken the rehab program that I would have qualified for forebarance, but now i don't because i agreed to the repayment option and because i didn't make all six payments for the rehab program that I didn't qualify for that anymore either. I didn't work for 7 years because of his accident and my children. Now i begin working and im going through foreclosure and so i file all three years of my tax returns and i am set to recieve back {$10000.00} and of course they garnish my taxes .... I then call and tell the that money was supposed to save my house and they tell me if i fill out an application and send foreclosure paperwork that they will give me my money back, but i have to do it within 30 days they don't send the papers after a week i call back and the representative admitted that they didn't send the paperwork, but said if she sent it out now i wouldn't get it in enough time to send it back to them anyway ... .. I now can't file my taxes even though we are in a pandemic because when I do they are going to take that again because when i called pioneer to say ok so you have {$10000.00} of my money can i go into repayment so you don't take my next years taxes she says no because you have to set up a repayment plan and you need to pay {$150.00} to begin the repayment plan!!!!! I said you just got a {$10000.00} payment that doesn't count and she says no ....

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violatons attached please remove them all and the laws that pertain to the violations

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 2022-12-10
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to umpqua bank on XXXX XXXX in XXXX Oregon to close my account since no local branch was available in my city of XXXX CA. The teller whose name is XXXX XXXX said to me " I see there are some pending transactions and so I want to get this transaction right. '' She also stated that my account would be closed by the end of the day and any remaining funds would be sent via a check to my address in XXXX CA. The next day I saw that my account was not closed and further the account was overdrawn. I was instructed by umpqua bank to call XXXX XXXX, which I did at least two times. She did not answer nor did she return my request for a call back. I repeatedly tried to get this matter resolved with umpqua bank to no avail. In the meantime, a few months previously, I had requested my account be credited from XXXX due to a charge at a motel in XXXX California. They requested photos and said my account would be credited which I proceeded. They credited my account. This was not an interim credit. This was a permanent credit per their representative. However, following the overdraft incident at the XXXX branch in XXXX, umpqua bank reversed the charge and debited my account regarding XXXX added an overdraft fee and tacked on a service fee and promptly locked me out of my account and closed it and turned it over to a collection agency and then reported me to chex systems. I had vigourouly tried to get this removed my my credit report and am extremely serious about getting it removed both from collections and XXXX XXXX. This practice I believe is illegal and has ruined my ability to open a bank account with the local credit union. I have photos that show the XXXX motel in question was closed down by the health department. When is this bank umpqua bank going to be held responsible for these actions? I know I as the consumer am right in this matter. I want something done in my favor.

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 2020-04-17
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked on my credit report & saw it had a student loan on it. I never applied to any college. Or co-signed any loan. I contacted GREAT LAKES in XXXX, Wi. They sent me a fraud package & told me to get a police report. I did so. Now they saying thats not enough. I need this off my credit report. I contacted the school. Which is XXXX XXXX College. They wouldnt give me any information on the student loan that I suppose to have taken out. The account number is # XXXX. Please HELP with this situation. Its having a negative impact on my credit. Thanks in advance. The date of loans started XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1500.00} from the company. Know as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. So far I have had my account debited for about {$3100.00} and company says that account balance is {$1300.00}. I feel that interest was too high. I went to XXXX bank  and got very little help. They gave me phone numbers, but I've had very little success talking to a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Account information incorrect

Complaint:
You have not adhered to the following laws, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law

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 2022-08-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You have not adhered to the following laws, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for XXXXnspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MO
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:
To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hi I have paid off my auto loan with XXXX  XXXX XXXX XXXX in full on XX/XX/XXXX but I see a derogatory remark has been added by XXXX  XXXX XXXX XXXX on XX/XX/XXXX when the account was already closed in XX/XX/XXXX Please help in this matter as this is purely a case of false credit reporting and unethical conduct on part of the lender -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 2022-12-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized wire transfers/transactions by a scammer using a fake e-mail and falsifying mobile access to withdraw my online banking accounts.

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 2020-10-05
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During the last week of XXXX, I spoke with a representative from National Credit Systems that stated my account had already been submitted to a lawyer and she gave me a different department. I then spoke with a representative that offered a settlement in the amount of {$1900.00}, however it had to be paid within a week. I explained to them that I did not have the funds and I was told then we cant help because its going to court. In an effort to still rectify the situation I called once I had the funds available, on XX/XX/XXXX, and I was then told that the account was back with National Credit Systems, and to avoid a judgement on my credit I needed to pay {$2600.00}. I again called the very next day and was told I needed to pay {$2900.00} for the same reason. At that point, I asked to speak with a supervisor and when I spoke with him he stated he has no control over what the creditor asks for, it that he would contact them and call me back the early part of the next week with a settlement offer. Well, that was last week and I never received a call. I called again in today, XX/XX/2020 and was out through to a voicemail on three different occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MI
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  Accounts 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 15 U.S.C 1681 Section 602 A. I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can 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 explanation
Consumer complaint received 2022-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear SPS, My request is not the identity of the " holder '' of my note. My request is for the identity of the party who owns and maintains an unpaid loan account receivable that is due from me to that party. 

I would also question as to how, through a long series of non-legal, void, voidable and possibly fraudulent assignments, did SPS become the servicer of my DOT and XXXX XXXX  become Nominal Mortgage Owner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings CFPB! 

I have recently filed a complaint with *TransUnion XXXX XXXX XXXX Inaccurate and questionable information reporting on my credit file. I received a response from *TransUnion* applying that I had or have a " properly authorized third party '' Speaking upon my behalf~ Which really blows me. I have taken ALL the proper measures to work and clear up my credit line~ Attending courses doing proper research etc ... Understanding that my family & I future can be at stake when you have major mistakes & inaccurate information reporting against YOU. I would like to share this~ I am more than capable of disputing and handling my credit file ... To clear matters there is absolutely " NO '' third party or credit repair agency speaking on my behalf. I have attached a copy of my hand written letter along with a copy of my credit report/identification/ TransUnion Response. I am requesting my credit report be updated & any *INACCURATE* Information be *REMOVED*

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 2022-12-10
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  Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2022-08-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Back in XX/XX/XXXX I reported fraud to Navy federal credit union and my account was closed as result of it. I filed a police report, and I was able to get the charges resolved and everything stationed. Back in XXXX I have try to reopen my Navy checking account as my family members use this bank and my brother is in the Navy himself and I want my checking account back. i have tried to work with them as I send them emails, phone calls and mail notices, that I want my account back as it was due to fraud when it was XXXX back in XXXX. I have attached my inquires I have made with Navy via email as a screenshot attached. I hope to get this resolve and have a navy account back like my family members has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2022 I notify BARCLAYS BANK DELAWARE of my intent to enforce my rescission rights. And I am demanding a refund of all funds and property paid, as well as taking any required and appropriate steps to reflect the termination of the consumer credit transactions securities interest. XXXX has not replied at all.

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