BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: NV
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:
Experian congratulated XXXX XXXX on improving his credit. 
Effort after effort to find out -more finally lead to be advising that the score is XXXX According to expert the score was XXXX Requested whether or not the false claim ( s ) by XXXX XXXX XXXX was finally dropped was not answered. 

Just submitted medical reports that indicate : ALL MEDICAL RELATED BILLINGS MUST BE DROPPED. 

XXXX ON THE XXXX OF XXXX WAS DEMANDED BY CERTIFIED MAIL TO DROP THIS BILLINGS 1 ) NO XXXX BEFORE THE SURGERY @ XXXX XXXX ) THERE IS NO NEED FOR XXXX  THAT DOCTOR @ XXXX WAS TOLD BY XXXX XXXX ON THE XXXX DAY OF 3 VISITS THAT HE DID NOT WANT & NOW THESE TESTS PROVE IS NOT- REPEAT NOT NEEDED SAID DOCTOR BILLED MEDICARE FOR 3 UNNECESSARY VISITS THAT XXXX CHALLENGED TWICE BY CERTIFIED MAIL TO MEDICARE

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 2018-05-09
Company: HireRight Solutions, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was offered a job. I just retired from the state after almost 30 yrs as a XXXX XXXXXXXX in XXXX mass and a XXXX XXXXXXXX with the XXXX XXXX XXXXXXXX XXXX in mass. So XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX Ca. XXXX had to do a background check and drug test on me for the job, no problem. I had a drug test around XX/XX/2018 and another one on XX/XX/2018 both came back negative dilute. I was so appalled that I asked my doctor to take one and it came up negative. Also they said something was in my background check and I looked it up and saw absolutely nothing. So I didnt get the job because these people lied. I was in law enforcement for a long time and got tested every year at different times. Never did it ever come back negative dilute. How many other people have these people lifes have been destroyed because of them. Id like this rectified and the company notified that I was going to start working for notified, this was far from the truth. Im also informing the attorney general office. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime in 2018 I reported a down line to XXXX in the back yard of the building I was at. The building had no power and I was not sure if the wire was live. In order to make the outage and service request they took my information and shortly after I received a letter in the mail with an erroneous electric bill. I called and told them the situation, which is that there was no electric bill in my name and that the information provided was only to put in the request because I thought it was dangerous. They told me they could not close the account because it was opened and had unpaid charges, which is not my issue. The person who opened the account was not authorized to do so and I have no idea what electricity they were claiming I used. The electric that was running to my area ( which I had found out was an illegal subsidy ) was not separate from the building 's main electric. There was never any electric bill there until I called to try to get help because there was no light and it happened shortly after a storm and I noticed a down wire. 
Completely fraudulent bill. They did not have any documentation to open the account and they refused to give proof of the electric service or close the account because I couldn't provide them with a lease, there was no lease. I was informed that in order to open the account they would have had to have a lease. 
I do not owe anything and the charges they sent to collections are now on my credit and affecting my score and ability to live and work. This company is completely fraudulent and should be shut down. I am taking them to court. I have been harassed, now punished, and had my credit blemished by their fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: MOHELA
State: NY
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/23, MOHELA messaged and stated that my account was going into administrative forbearance for the period XXXX. They then reneged on this action. 

Not only was the forbearance not requested or approved by myself, the decision to end this forbearance was not conveyed in a timely manner. The flip-flopping nature of MOHELA 's loan administration has put strain on me financially. 

Indeed, I had planned for payments to resume, then was told they would not when the forbearance was issued ( without consent. ) Now that I find the forbearance has ended suddenly ( without notice, ) I'm liable once more and the money has been budgeted elsewhere.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX XXXXXXXX changed from XXXXXXXX XXXX XXXX XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXXXXXX XXXX XXXXXXXX, they did not remover the payment until AFTER the due date. 

In XXXXXXXX XXXX XXXXXXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXXXXXX XXXX XXXXXXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX ). They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXXXXXX XXXX or delete this item from my file.

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 2018-08-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX had home loans for years 10.5 % interest sold loan to XXXX XXXX 10.5 % fixed rate. again loan sold to Rushmore loan services 10.5 % fixed made about 6months payment at this rate. Now raised my rate to11.00280 %. Called Rushmore 8/29/18 as soon as I got this rate and new bill increase. Women could not tell me why, asked for supervisor no!!! Got nothing but run around. I know this is not legal. Called XXXX on same date ask what rate they sold loan 10.5 % they are sending more documents ' to the fact they sold this loan to Rushmore at rate of 10,5 % and should not be raised as it is a fixed rate. The women at Rushmore just as much told me they can do what they want. My opinion this is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On Friday XX/XX/2019 I submitted to Key Bank a certified original copy of an order that was approved by a judge in the Supreme Court to have funds released from a guardianship account in the amount of {$10000.00} for the maintenance and educational support of my daughter. 

The representatives at Key Bank including the branch manager told me it should be a few days because the legal dept needs to review the letter, however after 1 week went by I called the bank to check on the status of the withdrawal and their words to me were that " they need to make sure the language of the approval is correct. 

The following week, I was told by a representative over the phone that they had to make sure that I did not falsify the documentation.

In addition, the keybank representatives have not been forthcoming about what else would be needed, and when the funds could be accessed. 

To this day I have yet to hear from any of the representatives even after calling them several times and when I do call I just get shuffled around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX. I disputed about XXXX XXXX XXXX. I contacted XXXX XXXX. They had my wrong address on file. I never received anything via mail. Just that it hit my credit report. I called several times to XXXX to try and correct the issue but XXXX an employee at XXXX in credit department said all I can do it dispute the problem I offered to pay the debt to get it off my credit report. XXXX said I couldnt I have to dispute. I disputed and it is still on my credit. I dont understand what they are trying to do other then hurt me for no reason. Its bad enough with Covid. XXXX has been fraudulent and misleading since day one. They are horrible to work with. I never once stayed at there facility or used my account. My credit otherwise is impeccable. There was no report till XX/XX/XXXX. The account was open in XX/XX/XXXX. I have been trying to cancel this timeshare since a week after I opened it. They have been giving me the run around. All 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 explanation
Consumer complaint received 2023-06-06
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
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: Credit inquiries on your report that you don't recognize

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX and XXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called account services keeps calling me at all times of the day. When i call back i never get a straight answer. They just me transferMe off to another and i wait in line. When connected they are extremely rude and careless. They dont give any clue as to what this is in regards to. They start asking all kinds of info. Even after i provide to prove i am who i am, they keep asking questions that are impertinent. When i refuse to answer any more, they are arrogant and instead of providing exact info they tell me then i will not give you any not info. 

As though they have power over me and scare me up. 

Got information from my bank regarding bad info in my credit history. In checking i see that this company is calling me. While not giving me the info regarding why they are, they have reported this to credit bureaus and more my credit score is severely impacted. 

Yet they dont clearly tell me who they are? Hope can i trust them with a generic name like Account Services.

Please help. As reported, they are asking me to pay upwards of {$1600.00}. For all in knit this may be a XXXX XXXXpany trying to get my info. I am old and i live alone. I am in XXXX XXXX. They must know and thats why they think they can get away doing this.

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 2023-10-15
Company: MOHELA
State: UT
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:
On XX/XX/14 a payment of {$420.00} was taken from my account unbeknownst to me, XXXX had scheduled a payment from me that was half of my paycheck. 

They completely ignored my pending applications for XXXX and XXXX programs. 

I never authorized the amount they took. I was never informed of the amount. I received letters that my serviced had changed, but that was all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a victim of fraud and identity theft. ALL of the hard inquiries need to be removed from my TransUnion credit report. 

XXXX XXXX Location XXXX XXXX  XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022 Phone Phone number not available Inquiry Type Individual

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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 XXXX XXXX pulled my credit from Bank Of America after they were told several times not to and they assured me they would not. 
I spoke with the sales/financial manager XXXX and he stated they made a mistake but it was no way for them to remove it unless I disputed and they would not contest. I sent XXXX XXXX a letter on XX/XX/2022 as well, during that time asking them to remove both inquires because I received a inquire from XXXX XXXX XXXX Bank of America because of it. App # XXXX & App # XXXX. Please remove any inquires from XXXX XXXX XXXX Bank of America because of this issue.

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