BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: MOHELA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To Whom It May Concern, The loan company saying I owe for the student loan is a scam. We're not sure where to go from here to pursue this dispute.

I do have documents of the research and correspondence we have made so far of the various companies that have received my payments in which, you can find that those that received the most payments are in ongoing lawsuits. The most current company, MOHELA, that says they are in charge of my student loan has put a lien against me which is putting a hold on us qualifying for a home loan. Even if I could just pay it off AGAIN I wouldn't know where to pay it to. I was paying to the companies in good faith all these years that where in charge of my student loan at the time. So, who do I believe? 
Do you know of any action that I can take to resolve this problem? Any help you can offer would be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX, I am hesitant of sending this because to me that just wakes up the company MOHELA to start harassing me again. I would like this whole thing looked into. MOHELA just ignored me when I sent them the letter and documents in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
I have a bankruptcy reporting on XXXX of my credit reports ( Transunion and XXXX ). I have contacted both credit bureaus on more than XXXX occasion requesting this be investigated, the method of verification provided and for the account to be removed. I have also provided a letter from the court stating that they do not report public records to the credit reporting agencies, however I continue to receive letters stating that the debt has been verified but have failed to provide the method in which the debt was verified after several requests. In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S Code 1681 Section 602A, states that I have a right to privacy.

15 U.S Code 1681E ( b ), states that a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I mailed a check within a week of the due date, paying the balance off my newly opened Ulta Mastercard. The check was for the full amount. I also enclosed a note requesting the card be closed. 

In XXXX, I received a bill stating the payment was late and I had a {$30.00} late fee because there was around {$4.00} in outstanding interest. My account was still open even though I had requested it closed. I called, spoke to a representative and explained the situation ( I had mailed the check with more than a week 's notice, paying the balance in full and asked the account to be closed ). He told me he would reverse the late fee and talked me into not closing the account. I asked if I had an outstanding balance, because I would pay it then on the phone, and explained I have good credit and didn't want another late fee or credit ding. He reassured me it was fine and my balance was XXXX. He also reassured me that I could call in the future and let them know if a payment was on its way by mail, they would make sure to mark it and no late fee would apply. I asked him to note on my account that I had called that day. Because he was so nice, I let him talk me into leaving my account open. 

In XXXX, I receive a notice that I owed {$4.00}, I was being charged another {$30.00} late fee for the {$4.00} and they were placing the original {$30.00} late fee back on my bill, making my total payment {$70.00}. 

I called on XX/XX/XXXX and spoke with three agents about the situation. I told them I had called in XXXX and been reassured there was no balance due. I was told the original late fee was being reinstated because I had now been late for two payments. I asked for the current balance, and immediately set up an electronic payment through my credit union so I would have documentation it was paid. I also asked that my account be immediately closed and that I have verification of the closure sent to me via email. They said they would mail it. At this point I gave up. 

Beware, if you are in a bind and need to make a payment with the support of a representative, there is a {$9.00} charge for personal assistance. For this interest rate and the fees, that shoul dbe provided for free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: MI
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:
Greetings credit reporting agencies, my name is XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

- [ ] In a ccordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 


Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
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 an 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 explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a bankruptcy reporting on XXXX of my credit reports ( XXXX and Experian ). I have contacted both credit bureaus on more than XXXX occasion requesting this be investigated, the method of verification provided and for the account to be removed. I have also provided a letter from the court stating that they do not report public records to the credit reporting agencies, however I continue to receive letters stating that the debt has been verified but have failed to provide the method in which the debt was verified after several requests. In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S Code 1681 Section 602A, states that I have a right to privacy.

15 U.S Code 1681E ( b ), states that a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-27
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
This is the XXXX time I am sending a complaint for inaccurate information reported on my credit file. You did respond but you did not investigate the information I disputed for the XXXX time. You responded that my address, ssn, and case # was correct. I did not dispute that information at all. Did you read what I disputed? Did you actually do an investigation? 

Now what I am disputing is the accuracy of the court name and the county of the court. The information is still not accurate. THE NAME OF THE COURT AND THE COUNTY OF THE COURT IS INACCURATE. Now I know I have a right as a consumer to accurate information on my credit file and for reinvestigation. This inaccurate information you are reporting is hurting my ability to obtain credit. Now I wonder if you actually did an investigation or not. You said you got this information from XXXX but did you actually check it? Did you even look into the information or did you quickly label it as accurate/verified? 

I am sending the same letter I sent you before with all of my information and the response you gave me that DID NOT ANSWER MY DISPUTE. YOU just randomly answered something I did not dispute. 
I AM NOT ASKING YOU IF MY ADDRESS, SSN #, AND CASE # are correct. 

By law you I have a right to reinvestigation and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CCF Intermediate Holdings LLC
State: CO
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:
They said if I didn't call them back right away, they would have to turn the matter over to my local jurisdiction. The company is called " XXXX XXXX XXXX '' they described a loan originating in XXXX  from a company called " Easy Money. '' They said they mailed me a letter in XXXX but I can not find it. I asked for paperwork showing this to be emailed to me and they refused stating : " The company wishes to take this matter to litigation. '' They are threatening court action if I do not respond in 24 hours. I asked them if they could resend the letter but they are refusing, stating : '' if they sent a letter then they are obliged to wait 30 days for payment. '' They stated that they deposited the funds into a XXXX XXXX  account that I no longer have access to. I called XXXX XXXX  and they only keep records for the last 7 years. They also stated that they sent notification to an old email address I no longer have access to and can not get past emails. I contacted the XXXX XXXX XXXX but they could not find the company " XXXX XXXX XXXX. '' I do not recall completing a loan from the company Easy Money in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Rocket Mortgage miscalculated our property taxes, causing us to underpay. Now they are charging us about {$100.00} extra each month to make up property tax payments they should have been collecting and paying from the beginning. 

I strongly suspect the Rocket mortgage employees we dealt with worked on commission. I think they did this on purpose so they could show us an artificially low total payment and rush us through closing before anyone noticed. 

Heres what they did : Because we bought our condo in XXXX, we owed property tax payments for only part of the XXXX tax year. 

Rocket took the partial-year bill and calculated our taxes as if that bill was for an entire year. 

Rocket used the amount on the partial-year bill to estimate our full-year taxes for XXXX. Doing that artificially lowered the amount held in escrow, which artificially lowered our mortgage payment. Again, Im pretty sure they wanted to show us a lower payment so that wed close, even if the numbers were bogus. 

Now, Rocket Mortgage says were in arrears. And instead of calling or writing to us, Rocket raised our payment due without warning. I only figured this out because the Rocket said our XXXX payment was short. 

Any mortgage company should be able to estimate property taxes. The rates are public information. And anyone who has been through elementary school should know that a year has 12 months, not 3. Anyone who can read should recognize a partial-year bill when he/she sees it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: AL
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:
To Who it may Concern : I have contacted XXXX XXXX, XXXX, and Equifax more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeXXXX XXXX shows a last date active of XX/XX/XXXX, XXXX showed a date of XX/XX/XXXX, and Equifax showed a date of XX/XX/XXXX. XXXX XXXX has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPT OF EDXXXX XXXX ... XXXX {$12000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$2200.00} ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX ... XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX .... Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-27
Company: Experian Information Solutions 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:
In accordance with the FAIR CREDIT REPORTING ACT, this account below has violated my Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C 1681 section 602A states I have the Right To Privacy.

15 U.S.C. 1681 section 604A Section 2 : IT also states a Consumer Reporting Agency can not furnish an account WITHOUT WRITTEN INSTRUCTIONS.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C. 1681c ( a ) ( 5 ) : states no Consumer Reporting Agency may make any Consumer Report containing any of the following items of information, or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX I've sent off letters the beginning of this month and no change was done past the 15 day reinvestigation.

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 2023-03-27
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling concert tickets and this man offered to buy them. We agreed on using the Zelle app thru our banks. I received an email from a fake Zelle account that he created asking me to pay the {$300.00} fee b/c I didn't have a business account and it was for security reasons. And that I would be reimbursed for the amount of the tickets plus {$300.00}. He had me send it to a " Zelle '' agent at XXXX. The " agents '' name was XXXX XXXX. I did this before realizing that I was being scammed. He then sent me another e mail from the fake Zelle account telling me I had to pay a {$500.00} certificate fee. I didn't and reached out to my bank. They had me delete him from my Zelle and change my password. He is still trying today to get me to send the {$500.00} via XXXX XXXX and fake e mails to the same phone number associated with his real Zelle account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a small purchase in in XXXX of XXXX. Paid the balance of in XXXX XXXX. Because of delays in mail delivery. I discovered that the payment was a day late. Upon receiving the bill for {$14.00} I called and paid the late fee this was on XX/XX/XXXX. I received the bill after the due date for XXXX XXXX called and how could I have a late fee on a XXXX balance. this bill had two o late fees for {$14.00}. they could not explain it. so. they reversed those XXXX fees. once again, I received a bill in XX/XX/XXXX with a balance of {$58.00} the supervisor refused to correct the fee. I closed my accounts and asked to be removed from all of their sister companies catalogue mailings. Well, here we are in XX/XX/XXXX new bill says the balance is {$89.00} with a new late fee of {$30.00}. I have been with them over 10yrs and never missed a payment. always paid the bill right off. They have lost a customer and don't seem to care about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a process of garnishment from small claims court of XXXX XXXX. The docket number is XXXX. I never had anything or signed a contract with Midland Credit Management , Inc . The Attorney office is XXXX XXXX XXXX, XXXX. The amount is XXXX plus interest which totals to {$1000.00}. They are threatened to withhold 25 % of my wages.

Company response to consumer: Closed with explanation