BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: UT
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:
Shocking that Equifax FINALLY cleaned up the mess they made on my report. However they have one issue they need to correct. 

The XXXX with XXXX XXXX XXXX XXXX has been paid off. Acct # XXXX. Please correct it to a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I reported to Great Lakes Borrowers Services, multiple times that I fraudulently received my federal financial aid, which is a felony. I documented the issues, wrote & called, called back, emailed, asked the information be added to my file, requested that they act on the information. They have done nothing to date to assist me for almost two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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 information incorrect

Complaint:
I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/2021 and so far the credit bureaus have not given me an answer.

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 2022-07-08
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX WEBBANK ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The letter I submitted on XX/XX/22 was specific about the incorrect addresses listed on my credit report, the response I got deleted XXXX and ignore the others. I also provided poof with my identity and address with a copy of my driver 's license and utility bill. When I pulled my XX/XX/22 report I still had several incorrect address listed. I told them in the letter I sent on XX/XX/22 I only wanted XXXX address on my credit report, the correct one I sent with proof.

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 2022-07-08
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX and Account number 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 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 2018-03-16
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2004 i took a loan out to attend XXXX XXXX XXXX how ever they made the school sound like they really help you. Wrong they got my money then did nothing to help students find work even while in school. They knew even before I started that I was from a single parent family with my mom on XXXX XXXX. XXXX was one steak people involved in the student finances department. Fast forward to now over the past almost ten years ive taken a pay cut from {$40000.00} under {$20000.00} per year and just this past year i barely made XXXX. As years go by anytime I could Afford to pay I would. There was a period of 3 months of up to 8 calls a day from over 17+ phobe numbers. I explained my income to bills and that i could only afford XXXX  per month. I would get emails and letters about new income driven payment plan. Navient and XXXX XXXX customer service use bullying tactics interupt me and talk over me in very agressive tone. I suffer from XXXX and it has only got worse with there excessive and harassing phone calls. Im not lazy im from a low incone family and was only trying to better my life but have been taken advantage of by XXXX and navient. I got bullied into a income driven payment plan or tgey threatened to send my account off abd said they would file a judgement and wage garnishment. Ive told navient I work under 30 hours per week and also work for a XXXX Because the payment was XXXX per month i could not afford to keep up and still pay for the basic to live such as rent utilitys and grocerys. The pwrson who is deaking with my acount in the accounts recovery department was XXXX very degrading by talking over me when i was talking and kept saying this us 14 years old your not going to pay half your rent. I almost hung up as he was so agressive. I layed out what i could do and now he wants me to try 3 different lending companys that i know wont aprove me. Not to mention tey made two settlement offers first on was {$24000.00} and second obe was {$18000.00}. How when I make maybe XXXX  a month with no retirement savings nothing! Can I get {$18000.00} in 5 days. If you need copys of phone records i will have those in a week or so. They say they want to work wirh you but they just insult and bullie me. I have 3 weeks of school left to finidh my BA in nutrition science and have wome job leads but i cant force a company to hire me. Im not even sure legally they can collect on debt that old. In wa state debt collectors/navient can only call 2-3 per week or per ay not sure but 7-8 per day is harassment. Ive tried to work with them but its getting to he point where i cant handle the aggresiveness. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: UT
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:
In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from XXXX XXXX with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called XXXX XXXX immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted XXXX XXXX to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. XXXX XXXX refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with XXXX XXXX and it has always been paid as agreed. XXXX XXXX should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
Dept of Ed/Nelnet was sent a police report to remove the fraudulent accounts off of my credit report and this was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX, 2015 I called into A-1 Collection Agency to make a payment with XXXX XXXX XXXX ( ext. XXXX ), per an agreement from the prior month, that was confirmed by XXXX ( ext. XXXX ) whereby I paid the balance of one account off that would be removed from my credit report as a courtesy, and would begin a repayment plan in the amount of $ XXXX/month on the other account, preventing negative reporting on this account. XXXX XXXX ( the only name given to me ) stated XXXX XXXX was on leave & he 's the person I would be speaking with. I proceeded to inform him of my previous discussions, and he stated that I had been reported negatively to the credit bureau. I informed him that I was told that would not occur. Then I asked if the calls were recorded, and XXXX XXXX got upset stating that he was going to hang up on me for using abusive language. Not once did I use profane, abusive, nor threatening language. I simply inquired about the different information that I had been given from the young ladies versus his statement. He declined to inform me what was abusive about my language. I was practically pleading with him because it was as if he just snapped. I informed him that he would be reported if he hung up on me for no reason, and he proceeded to do so. I called back todayXX/XX/2015 and dialed the extension of XXXX, who had assisted me a few times before, and I was cold transferred to XXXX XXXX. I did n't speak a word to him, and ended my call because it was clear to me that he has flagged my calls and are having them routed to him. He is an abusive collector who uses his tone to intimidate, speak to, and treat callers poorly. All I want to do is pay the bill. Please have this call pulled and have XXXX XXXX reprimanded for his poor and threatening behavior. His methods are abusive, and he 's playing bully collector. He did n't have to call me to collect because I was calling in to pay. He declined to allow me to speak to a supervisor, and hung up on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: SIMM Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My daughter was contacted by this company ( Simms associates ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: FCI Lender Services Inc.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX my spouse, XXXX XXXX and I, XXXX XXXX filed bankruptcy which was paid off and released in XX/XX/XXXX. XX/XX/XXXX we were informed that the loan was sold from Homecommings to FCI. Discussion with FCI I was informed that they purchased the loan seriously delinquent. I informed them that the information was incorrect. I continued to pay FCI awaiting a discovery of documents until XX/XX/XXXX. FCI has refused to work with me insisting that the was purchased approx. XXXX. I requested documentation from the bankruptcy trustee which shows that the loan had a balance of approx. XXXX at the time of the bankruptcy being filed. It appears that all payments to the loan were placed in a suspended acct and were not paid towards the loan at the time of the release from the bankruptcy courts. I continued to pay FCI for a year longer than the loan was to exist and have no copperation from them. XXXX XXXX and I were divorced in XX/XX/XXXX. My lawyer, XXXX XXXX of XXXX, S.C. Has made several attempts to communicate with FCI with no results. I stopped paying FCI IN XX/XX/XXXX when I was out of work. According to my documents I owe no more payments and I am due the deed to my property. FCI has not taken any legal action nor is the loan been reported to any credit agency since the FCI purchase. I can not afford to retain another lawyer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, I got this letter from experian saying they won't reinvestigate but its nothing that needs investigating. The U.S department of education has been providing misleading information and attaching its bad payments on my consumer report. they say they are telling the truth and have " verified '' this account to be accurately reporting yet they can't be FACTUAL. If this was valid wouldn't the information in regards to account XXXX be reporting hard proof, information, dates etc? If they claim the information they are providing experian is to be true then WHY/HOW is it that they are reporting different information to different companies? attached are photos of my credit reports. DOTS are next to the misleading information .... such as the account status, date open, payment status etc. DELETE THIS " CLOSED '' ACCOUNTS THAT WERENT EVEN OPEN WITH MY CONSENT IN THE FIRST PLACE OFF MY REPORT. this account is reporting 100 accurate i see so many errors which is a FCRA violation.

Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$18000.00} Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$23000.00} Account Name : US DEPT ED Account Number : XXXX Account was openedXXXX Account Balance : {$27000.00}

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 2020-03-03
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:
ftc violations reported to the federal trade commission XXXX  XXXX master card XXXX  XXXX XXXX XXXX  card XXXX XXXX  XXXX credit card XXXX XXXX  XXXX XXXX XXXX  fcu all inquires on the above 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 2016-01-17
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Cedar Financial has placed a collection on my XXXX and XXXX credit reports. The original creditor was included in my bankrupcy which was discharged XX/XX/2014. XXXX shows the collection open and closed in a period that is not possible with my BK file and discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company uses scare and intimidation tactics to collect on their debt. We noticed them that this is a recorded line and that we are asking them to not call until after XXXX becasue this is a business peak time. They continued to call 16 times and even called our neighboring business lied to them and said something is wrong wth our phones and asked them to walk over and hand is a phone. We asked them to communicate via email and not call our business line yet they continue to do so. We have recorded calls and phone logs of the abuse and harrassment but they do n't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not have knowledge of debt that is trying to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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: Account information incorrect

Complaint:
I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/ 2021 and so far the credit bureaus have not given me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, I received a text message warning from Wells Fargo stating that my card had been declined at XXXX and to type Y if this charge is correct and XXXX if the charge was not authorized. I typed XXXX and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at Wells Fargo. The agent asked me to provide the credentials for my Wells Fargo XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they had me initiate 7 XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, I realized that I was speaking to an imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called Wells Fargo and spoke to a representative that started a claim for me and attempted to transfer me to the XXXX department and the wait time was over an hour. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the XXXX transfer had been sent to a XXXX XXXX XXXX with my name on that account. I have no association with the XXXX XXXX XXXX and do not have a XXXX account with XXXX XXXX. The person stole my identity and linked my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your XXXX profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. I filed a report with The XXXX XXXX Police Department on XXXX XXXX, citing identity thief. The imposter used my name and mobile number fraudulently on an account and the transaction is unauthorized due to this fraud.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}

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 2016-06-26
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Navient XXXX continues to call even after I have informed them the individual the are calling for does NO exsist at the number they are calling. I have spoken with XXXX representatives and informed them the number they are calling is mine. I have had this number for 24 years and to PLEASE stop calling. Now I get calls2 to 3 times daily and on Saturdays and Sundays. Please help!!!

Company response to consumer: Closed with explanation