BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-30
Company: MOHELA
State: MI
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:
When student loan payments started up, they took a payment ( {$330.00} ) without sending me information to set up my new account with Mohela. Not sure how they had my auto debit information transferred over from XXXX because I didn't even have a Mohela account set up. 

I called them to see why my payment jumped so high without warning or documentation, they also had my PSFL pay off date incorrect. The rep stated that they didn't know and advised me to wait as my loan information wasn't even fully loaded in the system. I requested they pause my payments until it was loaded and filled out a new IDR form. They processed my IDR form and I had my first correct payment ( {$76.00} ) processed on XX/XX/XXXX. 

Today I received a new statement in the mail that shows I will owe {$330.00} on XX/XX/XXXX and online it shows my IDR form is back in review. 

I don't understand why it's in review again and why my payment keeps changing. I've gone through all the proper steps and yet I'm still getting incorrect information and new higher payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove, XXXX XXXX XXXX account XXXX XXXXXXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 


XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-30
Company: MOHELA
State: SD
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:
XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Message sent via Mohela 's internal message sysstem XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Discovered studentaid.gov incorrectly shows in school XX/XX/XXXX - correct information - graduated XXXX started XX/XX/XXXXXXXX  A telephone call to studentaid.gov said to call Mohela XXXX Two telephone calls with Mohela. Reps name XXXX. She spoke to supervisor and was told " bringing it up with management '' and to give them XXXX days XX/XX/XXXX - Another message via Mohela 's internal message sysem XX/XX/XXXX Discovered there is a reconsideration process/application at studentaid.gov for incorrect payment count. I am missing 5 years of payments toward the count. Not once did Mohela or studentaid.gov mention this. 
XX/XX/XXXX - Message sent via Mohela 's internal message system asking why I was not informed of reconsideration process/application after almost a year of attempting to get help XX/XX/XXXX - Mohela replies apologizing and NOW they mention the reconsideration process after I finally found it myself and questioned why I was not told sooner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2023 I reached out to Experian regarding a XXXX-point score drop on my credit report. I instantly checked XXXX and XXXX to see if I was impacted the same way as Experian, but all looked good. Infact, my paid off credit card has reflected and my score increased for both bureaus. Experian, however, can not justify the minus XXXX points. 

There was no action taken, I was informed that they can not put in a dispute because the score generates by the FICO score. I explained that there are two other companies who use the same system but can justify a score drop especially when it so high. Experian can not show me.

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 2024-01-10
Company: NEW WORLD COLLECTIONS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
New World Collections never contacted me, or sent any letter disclosing this debt to me. I dont even reside in that state. It was not until the information was on my credit report that this debt was brought to my attention. Violating the FCRA. I continued attempts to contact the company, it was not until I opened a complaint with the XXXX  of XXXX XXXX ( XX/XX/2023 ) that I got a response from the company. I requested a validation of an item being reported to all three credit bureaus by New World Collections, and received my confidential medical records, including a patient ledger, dates, procedures and codes, as well as treatment information in response without a prior written release supplied by either company clearly violating my rights under HIPAA. 

In response to my complaint to the XXXX, New World Collections continues to violate HIPAA by openly discussing number of treatments, locations, payment amounts for visits, medical payment account types, and insurance information. 

In their own communication, New World Collections stated that I had a total of XXXX visits, but there are over 5 pages with over a XXXX charges, including multiple duplicate procedures that were allegedly performed. This information is clearly invalid as well. 

I informed New World Collections that i would be making a complaint about the clear FCRA and HIPAA violations in which they stated " they welcome it ''.

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 2021-07-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive been dealing with so much recently after I found out I was a victim of identity theft. I filed multiple disputes since XX/XX/2021 including 2 FTC identity theft reports and sent it to Experian to remove a fraudulent account on my credit report from XXXX XXXX XXXX. After they received my first letter, I was told that, my report was rejected because there was an error on the report and they couldnt see my name correctly. And I was told to send a new updated report. And so I did, After I sent in a new updated FTC identity theft report, they received it on XX/XX/2021. However when I called in, the representative on the phone told me that they had called FTC directly to validate the information and the FTC told them that my FTC report wasnt validated and so they could not remove or block the information. So I called the FTC directly and I was told by the representative there that the information given to me by Experian was a erroneous and that they dont validate anything with Experian so file a complaint against them with cfpb. And this my complaint. This erroneous information on my credit report is really hurting me and stopping me from getting credit and I really need Experian to step up and do their job correctly and remove the erroneous information on 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: SECURITY FINANCE CORP
State: OK
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 recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : Security Finance Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes.

2. The date of last activity you are reporting for the below accounts dont match. 


The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I got my credit report, and there was a lot of personal, inaccurate information. My name is XXXX XXXX XXXX, and my address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Delete everything else. 
I am an informed consumer and I know my rights Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am a federally protected consumer, and I have a right to privacy.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from 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

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 2023-12-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I keep trying to get equifax to either update or remove XXXX XXXX account ending in XXXX. Ive reported them multiple times and provided an ftc report and they refuse to do anything about it. Ive been trying to get this account off of my credit report for almost a month now. i reached out to XXXX XXXX  and the local branch manager even told me it is reporting inaccurately. it's showing late payments for XXXX, XXXX and XXXX and that is false. the local branch manager informed me that it should not have any late payments on it. i keep calling equifax, speaking to supervisors and getting different answers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
2 collection accounts that don't belong to me. I have no agreement with these collection agencies but they continue to add these accounts to my report even after removal which is unlawful.

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 2023-05-06
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I filed XXXX  XXXX Bankruptcy XXXX XXXX  is my only creditor that has not removed me from the debt, reporting inaccuracies stating Im over 90 days late a large balance etc- I have told them to fix this in XXXX its XXXX they are still reporting inaccuracies consistently- Transunion has dropped my score because of this and XXXX has dropped my score this is the only card 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 2023-07-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEM opened a collection account on my name for {$15000.00}, I am not liable for this debt with charter communications, I do not have a contract with JEFFERSON CAPITAL SYSTEM, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attempted to fix this issue multiple times. Equifax is violating my rights on multiple accounts by listing erroneous late payments on my account. Laws to include but not limited to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), 15 U.S. Code 1681e, 15 U.S. Code 1681a - Definitions ; rules of construction 2 ( A ) ( i ) and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: Experian Information Solutions Inc.
State: MO
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:
This is still how screwed up my Experian account is and they refuse to fix anything. In the screen shot below you can see Experian has XXXX XXXX accounts with different amounts only problem is its the same account I ONLY HAVE XXXX XXXX ACCOUNT ENDING IN XXXX and once again they say they fix my account and give me my real score if I pay them and that's the text book definition of EXTORTION

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 2023-08-09
Company: EQUIFAX, INC.
State: CA
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:
This is several times I have found inaccurate ACCOUNT on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly XXXX  has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you 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 2023-08-25
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: Account information incorrect

Complaint:
There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.

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