BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: MOHELA
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was notified on XX/XX/2023, by Mohela that my student loans had been forgiven. I visited my Mohela online student loan account and the balance had been reduced to {$0.00} and status updated to paid off. 

I have been waiting for 4 months to see if the student loan balance would come off any of my credit reports. It has not. 

I contacted Mohela by email onXX/XX/2023. They responded today ( XXXX XXXX ) with a " blanket '' statement saying that they update credit bureau information monthly. However, that can not be otherwise the student loans would be off my report back in XXXX or XXXX and they are still on my report. 

I was told that I should wait three months to give it time to resolve. However, as of XXXX and more than 4 months, the student loans are still listed on my credit reports with the old outstanding balandce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to TransUnion and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the written confirmation for the removal of these items in my account? Please investigate properly and remove them all from my personal credit file. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2019-01-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX  XXXX XXXX XXXX filed Bankruptcy XXXX XXXX  XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX  XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to Nationstar XX/XX/XXXX XXXX  XXXX XXXX   discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that NationStar was going to give us a contact to work with to get the problem straightened out. 
XX/XX/XXXX attorney contacted the person Nationstar sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. 
XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with Nationstar. The attorney for Nationstar stated they were foreclosure attorneys and that is what they were going to do. 
XX/XX/XXXX the 1st foreclosure took place. 
XX/XX/XXXX received XXXX from Nationstar regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. 
XX/XX/XXXX received paperwork from court that they wanted to file for reformation. 
XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and Nationstar attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to Nationstar and I had not paid anything since XX/XX/XXXX ; instead of not having paid since the loan modification XX/XX/XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. 
XX/XX/XXXX the 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Thank you for the opportunity to submit this complaint. Grain Technology extended a loan/line of credit to me in 2020. I have faithfully paid every month. I have even come close to paying it off and drew down on my money. The money has always been automatically taken from my checking account. 

Grain has no way for customers to reach customer service, ever. They NEVER respond to emails timely, if at all. It generally takes 2-3 months to respond to an inquiry, again, if they even respond at all. I few months ago, they sent an email about verifying your account, I went to verify and I was locked out of my account. I have no way of viewing my account number, my payment history, my balance, or pending transactions. 

I returned to my account weeks later and it required me to verify. It was a very tedious process, unlike any other credit card company I use. I do not use sub prime companies. I submitted my social security card, drivers license front and back as requested. It indicated it would take 5 business days. It has been minimally 15 business days now. I have emailed them at least three times since with absolutely no response. They, on their XXXX page are choosing who they respond to. They are lying explaining because they are short staffed it will take 10 business days, and that is not true. As well they are saying they are being required FEDERALLY to verify identities, but they are still taking money from UNVERIFIED ACCOUNTS! HOW IS THIS LEGAL AT ALL? 

I have no access at all to the line of credit WE entered into and I have a right to have access AND draw down from based on the credit terms. It is very CLEAR Grain Technology is DEFRAUDING people, and I am seeking legal counsel to see how I can not be responsible. If I stop the auto payment at my bank it adversely impacts my credit score, yet I have no idea what I owe, and can not access my account. THEY NEED TO BE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
NOTE : THIS COMPLAINT WAS PREVIOUSLY SUBMITTED TO " WELLS FARGO HOME MORTGAGE '' ( CFPB # XXXX ) AND IS CURRENTLY BEING SUBMITTED TO : " Wells Fargo Home Mortgage '' IN EVENT THIS ALTERNATE LISTING IN THE CFPB DATABASE IS THE CORRECT ENTITY TO ADDRESS THIS ISSUE ============================== Hello. Attached is a copy of my most recent mortgage statement dated XX/XX/2019 which references a reinstatement amount. ( Attached - PDF Reference 1 ) I have the ability and am prepared to make such payment in a single installment to being this loan current, although such action requires an updated quote from you. ( Attached PDF - Reference 2 ) Additionally, the mortgage statement makes reference that this amount consists of unpaid advance disbursements but does not fully itemize these amounts. ( Attached PDF - Reference 3 ) This property was subject of a foreclosure sale by Sale Committee on XX/XX/2019, although the report of the Committee has not been marked for judicial consideration ( potential approval ) until XX/XX/2019. 

Finally, there appear to be irregularities in the conduct of your legal counsel within this process with respect to Connecticut General Statue 49-31s regarding the concurrent filing of motions for default and judgment upon non-appearing parties. 

Such concurrent filings might be permitted for instances of abandoned or unoccupied residential buildings, however despite the repeated placement of " XXXX - Vacant '' stickers on an accessory ( storage/garage ) building on the property, there seems to exist no other evidence or rationale to think that this single family home actively occupied by the mortgagor ( me ) had somehow become abandoned property. 

Given the deficiencies in service and process upon me which resulted from this ( apparently ) erroneous application of the accelerated timeline, I ask for ability to reinstate this loan and request such calculation of the reinstatement payment amount in accordance with Connecticut General Statue 49-10a. 

Such payment would be made direct to your organization in single installment within 3 business days of receipt. Please provide wire transfer information ( or alternate remittance instructions ) in your response. Thank you..

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Act, the following companies : XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. states I have 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 consent.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to The Fair Credit Reporting Act ( FCRA ) and LAW, It is ILLEGAL to report TRANSACTION HISTORY to a consumer report. I have already opted out of this type of unlawful stuff. 

Please remove this history immediately from my reports. 

I am giving 5 business days for this to be completed. 

Thank you.

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 2024-01-05
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: Account status incorrect

Complaint:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-08-28
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:
I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX  Bankruptcy 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a Fraudulent account from XXXX XXXX XXXX Throughout my XXXX and Tranunion reports

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 2023-12-26
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I applied for XXXX last year and this year and payments during XXXX even if {$0.00} were supposed to count towards total payments made. I am in the XXXX XXXX and sent the application twice. Paper form and electronic. Still nothing forgiven or counted towards it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: OH
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:
This complaint is for all three credit bureaus, not removing information from my credit file and XXXX requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-

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 2023-03-13
Company: W&A Intermediate Co., LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 had a secured card with XXXX XXXX XXXX  ( " the bank '' ) circa XXXX to about XXXX when my account was closed, in good standing, by the bank. I neither heard from the bank again electronically, by mail, phone, or otherwise nor ever received my security deposit after inquiring ; I did not follow-up, believing the bank would automatically return my deposit. That was the end of my relationship with the bank. 

TransUnion notified me in XX/XX/XXXX the bank reported a delinquent account for {$5.00} - I have no account with the bank and tried to remedy it through TransUnion believing it was a mistake. Since I don't have a credit card with the bank, was my account number recycled? How can I owe a bank that, per TransUnion 's investigation ( File Number XXXX ), have paid on time for years ( up to XX/XX/XXXX ) with no knowledge of its existence or statements showing what any charges are for? On XX/XX/XXXX, the bank reported another delinquency to TransUnion. 

My account was closed by the bank per other CRAs many years ago, so what's going on here? Did the bank reopen my account and just started assessing some sort of fees? How can my account be in good standing for 5 years and I don't have a credit card with the bank- which requires an annual fee. Where's my old security deposit? Was a new card issued in my name and activated by me? When? Where?

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 2023-08-28
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:
Im resubmitting 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 Date opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-04-06
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX I purchased furniture online, the merchant sent an email stating the transaction was cancelled and refund issued. 

The transaction has cleared and {$1600.00} is gone was advised I would have to print a form-no access to printer. And wait up to 90 days for resolution. 

No person to speak with or call all overseas automation.

Company response to consumer: Closed with explanation