BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Threatening emails concerning money never loaned to me from scamers. Company name used is Speedy Cash and they don't loan money to people in Georgia. They are aware of scams & told me to ignore, which I have. I received first email from XXXX XXXX & second today from XXXX XXXX but I am sure that is not their real names. attempted to forward to your given email site XXXX but they would not forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you close my complaint and say that it was already processed it earlier. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Balance {$43000.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ) .Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-05-30
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: Account information incorrect

Complaint:
Experian shows inconsistencies in dates of opened account XX/XX/XXXX When XXXX XXXX written statement shows the account was opened XX/XX/XXXX I understand this violates Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 I have also requested that this inquiry be deleted due to the false information As I am the owner of this credit profile

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 2022-01-20
Company: AXOS FINANCIAL, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my XXXX credit report and found some unauthorized inquiries by Axos Bank listed. I reached out to XXXX to have them removed. I was instructed by a representative to contact Axos Bank and have them send me a letter that authorizes XXXX to delete the inquiries. I contacted Axos Bank and was told they can not issue me a letter because I am not it their system as a customer. I was then transferred several times and hung up on twice. I called back and finally a representative was able to, at least give me an email address to submit my complaint. I am in the process of purchasing a home and these inqiries are hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: MOHELA
State: IN
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:
MOHELA sent me a bill dated XX/XX/XXXX that my first student loan repayment was due by XX/XX/XXXX. I paid this on XX/XX/XXXX, though it was well known that student loan payments were not to resume until XX/XX/XXXX. 

On XX/XX/XXXX, MOHELA acknowledged this error and gave instructions to " request that we refund it back to you or apply it toward your XXXX bill. The quickest way to submit your request is to log in and submit a Secure Message on mohela.com. '' On XX/XX/XXXX, I submitted a secure message to MOHELA to apply my XXXX payment towards my XXXX bill. MOHELA 's website says it will take 3-5 business days to receive a response. 

As of XX/XX/XXXX, I have not received a response. My XXXX payment has not been applied to my XXXX bill. I have received overdue notices and threats that my account may be transferred to a debt collector.

When I try calling, the wait time is regularly 30+ minutes. I request a call back and do not receive one. In fact, I have never, ever been able to speak to a human being at MOHELA about my account since it was transferred to MOHELA in 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 2023-05-09
Company: MARINER FINANCE, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, I owe a debt and I went to a debt settlement company ( XXXX XXXX ) to settle my debt. I have repeatedly asked Mariner Finance to stop calling me at work because I will lose my job. I asked them to call the debt settlement company to rectify the debt. They told me that I had to have XXXX XXXX call them. All I want is for the phone calls to my work to stop before I get fired. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C. 1681 section 604 A. States I have a right to privacy. Equifax has violated my rights! 

On ( XX/XX/2022 ) I discovered ( XXXX XXXX XXXX XXXX ) had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 i sent a letter to EQUIFAX regarding some inaccurate and alleged debt. its been over 30 days and i have not received a response. EQUIFAX is in violation of Section 611 ( a ) which states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I XXXX XXXX was also a victim of the EQUIFAX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought by mr cooper  XXXX XX/XX/XXXX- I paid my last payment to XXXX XX/XX/XXXX and next payment with Mr cooper as advised XX/XX/XXXX. Every payment went ok for XXXX XXXX then in XX/XX/XXXX began to get rejected. XX/XX/XXXX rejected- I tried to make that payment again XXXX XXXX it was reversed. 
XX/XX/XXXX I made two payments and they were both reversed. 
Upon messaging the company I was told my bank account must have been entered wrong ( odd because it had been fine prior? ) however I re entered the info same as it existed on the page! And re submitted. They have already hit my credit multiple times and assessed XXXX fees. 

The only answers I have got were via a XXXX  on their XXXX account and she stated I owe the payment that the last mortgage company didnt forward for me but I have proof of draft from bank that it was paid in XXXX. 

I have also got MANY letters saying my payments are needed, my va loan is at risk and they can not reach me. My information has never changed- I only have one phone number and have never got a phone call until a message I received Friday XX/XX/XXXX from thomasette (? ) and i attempted to call her back 3 Times over a hour and a half and left one message also. 

Ive found that multiple persons are also having issues with this company? Im unsure if they are intent on pushing homeowners into foreclosure or what but its very scary. I never applied for any XXXX assistance or been late on my payments- their refusal and reversals of payments have caused the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Was not notified of investigation status or results

Complaint:
I have sent XXXX separate batch of disputes to the bureaus and have received no answers regarding the disputes I submitted. Between each batch, I waited over 45 days to allow them to research my concerns. To my knowledge the law has not changed. I am allowed to question errors on my credit report. They must reply back to me within 30 days after they receive. I've checked with my local post office and they are unaware of any problems with the local mail delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: IL
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:
Want XXXX to stop reporting my credit report to the bureaus they are violating my rights as a consumer and if they dont stop I will take legal action against them. Also take all 4 bankruptcies off of my credit! I dont have to share any of my personal information with XXXX if I dont want to and I dont want to share any personal information with them.

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 2018-10-30
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have had a title pawn with XXXX  XXXX for 2 years and I pay XXXX a month..but if I'm late I pay XXXX per day that I am late. For the last 3 months I have really struggled..the payment has went from XXXX to as much as XXXX per month. Last month I informed the store manager that I would be late and she said well XXXX you are always late and this is an ongoing problem. I said yes I am late but i always pay all fees associated with the account. So the store manager say come in on Friday but I can't extend your loan. And that was on XXXX the XXXX..and I asked for another extension..but it was denied. This is a trap for a person to never get his or her title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NM
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. 

XXXX XXXX XXXX : XXXX, XXXX : 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 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 2023-11-11
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act theses XXXXXXXX  accounts have violated my rights : 1 ). XXXX  XXXX ( XXXX ) Account # XXXX 2 ). XXXX  XXXX ( XXXX ) Account # XXXX 3. ) XXXX XXXX XXXX ( XXXX ) Account # XXXX. 

Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo wrongfully foreclosed on our home on XX/XX/2017.

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 2022-05-17
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: Account information incorrect

Complaint:
Over the past 8months I have contacted this credit bureau and disputed that a XXXX  XXXX XXXX account that was reporting on my credit report was reporting inaccurately. They claim that they contacted XXXX  XXXX XXXX and that they verified the information on my credit report as accurate and this was a lie. I contacted XXXX  XXXX XXXX and they informed me that this credit bureau never contacted them to verify my account information. These credit bureaus are evil and because of there false reporting I was not able to get a mortgage or get the funds needed to start my business. My lawyers are preparing to file a suit against this credit bureau for damages for each month that this credit bureau continues to report false information on my credit report. I am also send a copy of the letter that I got from XXXX  XXXX XXXX to the Federal TRade Commision so that a fine can be levied against this credit bureau for false credit reporting. For over 8 months they reported that they contacted the creditor and that the creditor had verified the information and this was a BIG LIE. They are destroying people 's lives for what I don't know. 
I will also be sending all the credit reports received and the false reports from the false investigation that they claim they did but never did. This note is just to notify the CFPB what this credit bureau has done and to expect some documents from me for there illegal action and to levy a fee against them for there illegal actions. 
The CFPB needs to stop these credit bureaus from doing things like this. My attorney XXXX XXXX XXXX will be contacting this credit bureau shortly on behalf.

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 2023-09-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: CITIBANK, N.A.
State: MD
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:
Macy 's Account Account balance {$1700.00} Acct # : XXXX ( only have last four # ) In XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX  ) to consolidate and pay off all my delinquent accounts. XXXX tried on numerous occasion to contact Macys on my behalf, my account was not located per Macy 's, so XXXX dropped Macy 's off the program. I graduated from the program in XXXX, my credit has built up and in the process of buying a home. However, I was advised by the lender on XX/XX/XXXX that on XX/XX/XXXX, XXXX put {$1700.00} on my credit report. 

I contacted Macy 's XX/XX/XXXX to see how best they could assist me. I was advised by the representative that its an old account of 7 years and they can not make any negotiation at this point. All that's required from me at this point was to pay the amount in full and mail check/money order to there AZ office XXXX 

I think this is very unfair to consumers, because this account has reached its statute of limitation and several attempts was made to settle this account. Macys need to do a better job in training their out sourced staff, because if took a very very long wait and patience to get this information.

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