BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2010 my income sensitive payment program was approaching its fulfillment time of 25 years, so I contacted my loan servicer to find out what the process of completion was. At that time I was informed that my loan had been transferred from its original servicer to MOHELA two years previously and that I was no longer on the ISRP but had automatically had my loan placed on MOHELA 's XXXX program and that the 25 year forgiveness period started all over again with the new servicer! I am now XXXX XXXX XXXX and my loan will not be forgiven until I'm in my nineties! In the meantime, as interest has accured, my credit report shows that I owe more than {$150000.00}. up from my original {$43000.00}. loan through interest. I applied for forgiveness for my work in nonprofits but was turned down because they were not qualifying nonprofits. I can not purchase a home, nor anything else requiring a credit report because of this debt, although I have been meticulous in keeping up my status with the loan servicer. This " start over again '' policy on firgiveness when a loan is transferred without the borrower 's knowledge or permission is a federal scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My accounts have been charged off over 3 years ago however they are still being erroneously reported. 

The accounts are attached to XXXX XXXX for the following amounts : {$14000.00}, {$11.00}, XXXX reporting to XXXX, Experian and XXXX. 

Reporting to Experian for {$4300.00} 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law of regulation forbidding something As defined by The Internal Revenue Service ( IRS ) Even if you didnt receive a Form 1099-C, you must report canceled debt as a gross income on your tax. 
The IRS clearly defines a charge off as Gross or Ordinary, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By definition the IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s- 2 says XXXX XXXX XXXX XXXX is a furnisher of information to a consumer reporting agency. 
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 
You are hereby put on NOTICE that you are furnishing incorrect inaccurate. 
The lender must file Form 1099-C and send you a copy of the amount of debt canceled is {$600.00} and the lender is a financial institution, credit union . Federal government agency, or other applicable entity as discussed earlier... 
The above paragraph is taken directly from IRS publication

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 2019-08-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a lease that i had to break because i was diagnosed with XXXX and had to move for treatment. I sent them a letter but because the letter wasn't certified then they said i couldn't break the lease. They did rent it out after i moved out though and then charged me XXXX to a collection company.. They have refused to send me a letter detailing why it was so high. I've tried to negotiate and resolve the matter to no avail and it is now keeping me from buying a house. Please 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 2023-12-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon reviewing my consumer/credit reports I noticed there are incorrect names and addresses being reported by all three bureaus without my permissible purpose or their knowledge of the information to be true.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : 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 2021-09-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened account with proof of residence. 

Account closure started XX/XX/XXXX without my knowledge and still no explanation why. 

Account has been closed and now they are requiring additional items up to and including a notarized letter just to give me my money. It's been nearly 2 whole months.

I just want my money so I can get my medication.

The customer service has been atrocious. I've spent numerous hours on hold and get transferred to one person or another. Once I actually spent 1 hour and 32 minutes on the phone getting bounced around and put on hold, just to be told they have no 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
Consumer complaint received 2022-11-17
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX offered me a forbearance for 3 months on my mortgage because my husband had XXXX. Truist was questioning health concerns which is inappropriate. I stopped payment on XXXX XXXX through Truist and I have a letter from Truist stating it has stopped and a letter from XXXX XXXX stating that they have given me forbearance. Its been two weeks since they took my money out and still havent returned my money. The amount taken from XXXX XXXX was {$2200.00} on XX/XX/2022. I was Granted forbearance on XX/XX/2022 from 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 monetary relief
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  account number XXXX. ( Please see page 7 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IA
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. The List of accounts below has violated my federally protected consumer nights toprivacy and confidentiality under 15 USC 1681. 

XXXX 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 XXXXXXXX, 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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report bymore 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 2023-12-01
Company: Experian Information Solutions 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 writing to express my deep concern and frustration regarding the multiple unsuccessful attempts and delayed removal of fraudulent items from my credit report with Credit Bureaus. Despite my persistent efforts and numerous communications, these unauthorized entries remain on my credit report, causing significant distress and potential harm to my financial standing. 

Discovered unauthorized and fraudulent entries on my credit report. 

Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 

Received acknowledgment of my dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit report, causing additional stress and potential financial repercussions. 

The prolonged delay in addressing this issue is highly concerning, and I find it unacceptable given the urgency and the potential impact on my creditworthiness. 

I urgently request the following actions : Immediate and thorough investigation into the fraudulent entries on my credit report.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent entries from my credit report and a confirmation of their removal.

Assurance that my credit report will be accurately updated, reflecting the removal of the fraudulent items.

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Home Point Financial Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
What caused me to get behind on my mortgage payments was you HOME POINT FINANCIAL never allowed me to make or would receive my trail payments, see attachment dated : XX/XX/2020, and BLOCKED me from any online access even to this date. 

I dont get it I am a US Veteran of the XXXX XXXX, XXXX XXXX XXXX XXXX ) Honorably Discharge with XXXX, married with XXXX children ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ) to care for. My income is stable I am more than capable of making my mortgage payments. 

I am resubmitting another Mortgage Assistance Application and compelled to file a Complaint to Consumer Financial Protection Bureau and/or to the Veteran Affairs on my VA mortgage loan to resolve this matter with all my correspondences that you ignored in order to reconcile your error of an approved loan modification. 

DO YOU TREAT ALL U.S. VETERANS THIS WAY?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions 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:
This is my OTHER request that I have been a victim of XXXX XXXX and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXXXXXX Balance : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received an email stating that if the collections agency did not receive payment they are going to sue me and garnish and confiscate all my wages. Which Im unemployed and they have no legal right to garnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: MA
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:
I do not recognize these inquiries, delete 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 2023-02-23
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: Investigation took more than 30 days

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 XXXX XXXX Account Number : XXXX XX/XX/2019 has violated my rights. Or list of inquiries 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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, I am submitting this complaint without any influence from any third party or agency. 

Please see attached info it has my full complaint and request

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 2022-04-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently called Equifax at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.

Company response to consumer: Closed with explanation