BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: MOHELA
State: TX
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/XXXX, I received a letter from Mohela with inaccurate information regarding certified dates of employment. Mohela claimed that the employment dates are incorrect but they are correct. Also, they requested that I complete an enclosed form but there was no form enclosed in the letter that was sent. 

I called Mohela on XX/XX/XXXX several times. I also tried several options but to no avail. The number doesn't prompt the caller to speak to a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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 Accounts # XXXX have 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.. 

XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXXXXXX XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXXXXXX acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXX  # end XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My accounts are always been charged fee 's. It taking all of my social security check each month.

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 2023-03-02
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied to the XXXX XXXX apartment complex in XXXX, Florida in XXXX of 2022. The application fee was {$75.00}, followed by a {$300.00} administrative fee for move in. However, I did not qualify to move in, yet they have still been attempting to charge me the entire {$370.00}, as if I had even been approved to move in, in the first place. 

Secondly, if the fee for the application is {$75.00}, what else could they possibly need a {$300.00} administration fee for when I did not get approved to move in. It literally does not make any sense. It is just a scam to try to charge people this amount for simply applying and then falsely reporting it is a debt or collection to be paid. 

I have already filed a complaint with the local XXXX XXXX XXXX, and filed disputes with XXXX and XXXX, as well as directly to the collection agency itself. False credit reporting is illegal, if any party involved needed to be reminded. Therefore, I am asking that this false debt stop being added back on to my credit report, especially when it was already once removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EdFinancial Services
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: Information belongs to someone else

Complaint:
I did a FTC report in XX/XX/XXXX and spoke with XXXX XXXX XXXXT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled XXXX XXXX XXXX XXXX XXXX and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my XXXX Accounts and added an Fraudulent account with XXXX XXXX XXXXXXXX For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: MOHELA
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: Information belongs to someone else

Complaint:
I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were 11 student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my 11 Accounts and added an Fraudulent account with MOHELADEPT OF ED For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in XX/XX/XXXX to maybe XX/XX/XXXX I had a bank account with Wells. Never had an issues until they were authorizing transactions in my account without my consent. I went in and let them know to stop any and all further recurring transactions and that didnt happen. At the time I was a college student, so I didnt have enough money to cover all overdraft fees. Eventually, it led to me closing the account. Only to find out they had opened another account without my consent when I thought they had closed it out. From there, I just let the account be and I never went in to close it or continue having a relationship with them. I dont know what happened to my account but I never used it.

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 2023-01-15
Company: Experian Information Solutions Inc.
State: MD
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:
I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian Business credit report. My credit score dropped from XXXX to XXXX because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2007, car accident loan not fully fore given.

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 2023-01-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX  XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4

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 2023-03-01
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : $ 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 2023-01-21
Company: EQUIFAX, 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 received a copy of my credit report regarding XXXXXXXX XXXX ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise.

Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary.

Please send correspondence via mail regarding the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2023 Western Union charged my debit card a total of {$2600.00} for six money transfers to XXXX XXXX I never authorized. When I called the company to report these unauthorized transfers they refused to reimburse my account. The transfer numbers are as follows : XXXX ( {$950.00} ), XXXX ( {$940.00} ), XXXX ( {$170.00} ), XXXX ( {$180.00} ), XXXX ( {$170.00} ) and XXXX ( {$180.00} ). All transfers were made to XXXX XXXX XXXX in XXXX. I did not know about the transfers until they appeared in my XXXX account. I suspect someone hacked the Western Union transfer system. When I contacted Western Union about these unauthorized transfers, they refused to accept responsibility and would not refund the funds. I send XXXX XXXX {$50.00} on Friday XX/XX/XXXX which he picked up. The unauthorized Western Union transactions did appear in my Western Union account. I noticed them after after noticing the unusual withdrawals from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: TX
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 have been disputing the same items for almost XXXX YEAR NOW! I have sent in all required documentation and filed police reports and identity theft reports but the credit bureau EXPERIAN refuses to honor any of the requests. I noticed my identity had been stolen at the beginning of XXXX. I am disputing accounts and the disputes are only taking XXXX to XXXX days to come back as XXXX! How can the disputes be properly investigated after only XXXX days of filing? Another concern of mine is the fact that Experian is not acknowledging a Federal Document. These accounts violate my privacy rights according to USC 1581 OF THE FAIR CREDIT REPORTING ACT. EXPERIAN has consistently violated my right to privacy over the past year. I have documentation showing i have sent experian correspondence about some accounts that i thought to be fraud or not mine and according to the following : 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 ALSO, Experian has received my complaints from the cfpb and has also declined to acknowledge that also by working in a timely process to get accounts removed from report. I also have asked the credit bureau EXPERIAN NOT to furnish data on accounts that i believe to be fraud, my privacy rights sre being violated according to : 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 I have never gave EXPERIAN or the furnishers of these accounts PERMISSION WRITTEN NOR VERBAL OR EXPLOIT MY PERSONAL DATA. XXXX of these accounts are internet loans, meaning they were obtained online only and is hardly any way to contact customer service but thru email, so it is NO WAY EXPERIAN VERIFIED THOSE ACCOUNTS ACCURATE!! EXPERIAN can not go off of here say, they MUST go thru proper procedures when verifying debt. These accounts have random addresses, phone numbers and jobs i never had!! These debts are fraudulently being verified by experian Accounts XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: OneMain Finance Corporation
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
upon typing the words ONE MAIN FINANCIAL over 15 companies ' names appeared. Many stated no inquiry to credit report would be made, but required name, address, phone, email., income sources. 

I found the inquiry misleading, erroneous, not clear, confusing, and downright awful when merely looking at the information. ONE MAIN required all of my info, which I reluctantly but did provide, and they in turn reported same to my credit report with a hard hit! I called OMF asked for this to be removed, explained I was just looking at their business out of curiosity, and they said this would remain on my credit report for 2 YEARS! Not once was I aware of this, nor would I have provided the information if they had disclosed same. 

In addition, many other companies in the onlines inquiry that popped up, ran same information The OMF site was misleading, confusing, difficult to understand, roped me in and then slammed me with a hard hit on my credit report. I plead ignorance because I'm not privvy to their online practices, I'm a retired senior citizen learning not only on line stuff, but the difficulty in understanding what to click, not to click, what to do, and because of this I am now being penalized for their liberties in collecting information from me and now the conclusion is my credit report is affected. My credit score is always above 700 and now i have a black mark on my report. I do not recommend anyone do business with nor inquire on line with this lender. 
I DO NOT NEED A LOAN. I do not need the money. All of my bills are paid on time. 

While navigating through their site many others popped up, confusing me as to who they were, how they got my info and now I don't know how to resolve this. In addition, all of the data I provided and emails I am unable to locate from them ... seems suspicisous to me in many ways here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 2023-01-14
Company: Experian Information Solutions Inc.
State: WI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief