BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed numerous accounts and a bankruptcy with XXXX on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with XXXX, Experian, and XXXX on XXXX. An investigation supposedly done and nothing changed. I even called XXXX and XXXX. I spoke to XXXX XXXX a supervisor from XXXX which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called XXXX and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies.

According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible purpose.

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 2023-06-27
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received XXXX letters from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX confirming that my TEPSLF application had been received. I called them to confirm the next steps and was told that the loans would be transferred from XXXX to Mohela and that it could take some time. I received a letter on XX/XX/XXXX from Mohela confirming that the loans were transferred due to a TEPSLF application being submitted. I called in XXXX of XXXX to get an update, but was told by Mohela that the loans were still not viewable in the online account. I called this morning and was told there is no record of my TEPSLF application and that I should re-submit. The waiver to apply ended XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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:
In reference to : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX My account was marked late in the month of XXXX and this is preventing me from buying a home. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 US Code 1681 Section 602, this law states that I have a right to privacy. Under 15 US Code 1681 Section 604.A.2, this states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code 1666.B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.

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 2023-06-27
Company: Spring Oaks Capital, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving copies of my credit report I found this debt under XXXX XXXX XXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I do not recognize any of these. I requested debt validation and was sent back a copy of statements where the charges were in another country. I have not visited another country, nor do I have a passport to do so. I tried sending the companies a letter explaining this and have gotten no response. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 6 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

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 2023-06-27
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:
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. 

The letters are stated with items and issues. 

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 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 2023-07-26
Company: EQUIFAX, INC.
State: IL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: CO
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous. 

I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX  : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness. 

I intend to contact the XXXX XXXX XXXX ( XXXX ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report. 

Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.

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 2023-06-27
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela is not correctly updating my PSLF information. They are using the date I signed the application as my end of work date. I am still employed and had no miss in employment with the company. They are misrepresenting the dates to not honor the number of payments that have been made. I have been employed with the government agency since XX/XX/XXXX to current. They are showing an end date of employment of XX/XX/XXXX the date I signed the application. They are only honoring 9 PSLF payments and there should be several years of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under the 15 U.S.C. 1681. 
Account # XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 section 602A, states I have the right to privacy 2 ) 15 U.S.C 1681 section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

3 ) 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than several years.

4 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-18
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: 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 ACCOUNTS 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 accounts from my file. 
XXXX XXXX XXXX  Balance : {$36.00}, XXXX ; XXXX XXXX  Balance : {$38.00}, 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 2023-06-28
Company: Experian Information Solutions Inc.
State: PA
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  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-28
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2023 I had a charge of {$60.00} from " XXXX XXXX '', after checking my wallet to see my card still sitting in it's spot I convinced myself that I must have bought something and forgotten about it. On XX/XX/2023 I had three charges ; {$130.00} from XXXX, {$230.00} from XXXX, and {$34.00} from XXXXXXXX XXXX XXXX. I immediately turned my debit card off and filed a dispute on XX/XX/23. Within a few days my dispute was denied so onXX/XX/23  I called Chime to see why the dispute was denied, they would not tell me why but said they would reopen my dispute for a second review. I did not hear a response so today,XX/XX/23, I called again asking what the status was. I was told the second dispute was denied and they could not tell me over the phone why and they told me I would not be refunded any of the money that was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a federal XXXX loan which got disbursed into my Chime checking account. 
Chime bank has locked my account and has not released my funds nor have they sent the funds back to XXXX. 
It has been over 1 year I have been going back and fourth with them sending all my information id, address, pictures they put me on hold or drop the call. 
I am already making payments to the XXXX for my loan and I have not even gained access to my funds. 
Why is chime bank holding my money? If they did not send it to me they need to send it back to XXXX. I have asked them to close my account and send me my balance. 
I was advised by a legal councilor to take the route of communicating with consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is a formal complaint that National Credit systems is reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : National Credit Systems : {$300.00} Collection Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Receivables Outsourcing, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've sent two letters ( see attached ) to Receivables Outsourcing , LLC on XX/XX/2023 and XX/XX/2023 in response to debts they allege that I owe with instruction to cease contact. I have received two calls after these dates on XX/XX/XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX XXXX  from this company 's phone number ( XXXX ) XXXX.

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

Complaint:
I've reached out to Experian several times concerning this negative mark on my report and requested proof that this account is mine per the FCRA which they have not.

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 2023-02-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/1922 XXXX XXXX I hire XXXX XXXX XXXX  to build me a website I pay them a full amount of XXXX and XXXX and they got all my money and they did not build the website I send the proper documentation into Wells Fargo and Wells Fargo refuse to get my money back from these people because they say they can't track them down

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 2023-06-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Good Evening, XXXX XXXX here again, yes Navy Federal Credit Union eventually with so much outside interference approved the wire or we had to resubmit the wire from ( ACCT # ending XXXX ). on XXXX XX/XX/XXXX, I missed an entire closing for a real estate clearly listed within the wire that I will not be compensated for because of individual 's in the branches of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; as well as : XXXX XXXX XXXX XXXX, GA XXXX. I was still liable for those expenses incurred during this " XXXX inquisition '' I endured. And I would like some type of direction going forward as well as my expenses incurred to actually have faith and belief in this financial institution ( Navy Federal Credit Union ) which clearly had XXXX implications with me being a XXXX XXXX American. 

Kind Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation