BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, I would like to complain about my loan service who denies my refund request before getting approval from XXXX. 
I'm a pell grant recipient and would be qualified for {$20000.00} debt relief. 
I requested the refund of about {$18000.00} that I paid off by refinanced with XXXX XXXX  during the pause on XX/XX/XXXX to my FEDLOAN Servicing. Six weeks went by, I have not seen any movements. I called FedLoan Servicing multiple times during that 6 weeks period. Each time, I would get a different answer. Some agents told me to call student aid ( XXXX ) to follow up, some told me to call treasury department to check status. I called both agencies, but got no answers, both redirected to back to my loan servicer. I feel like those people are passing the buck and dont know what they are doing. 
Today ( XX/XX/XXXX ), I called Fedloan servicing and escalated to a supervisor. I got connected to a supervisor. Her employee ID is XXXX. She informed me that the conversation was recorded. She asked me questions about the XXXX payments I made during the pause. Her first response was that the refinanced payment by would not be qualified for refund because it was made by third party. 
Then she went and read some guidelines about third party refund and said that Fedloan servicing would have to get permission from the refinanced company to take the payment back but refused my offer to merge the call with refinanced company. She stated it would not help anyway because for sure the XXXX will deny my request, and unable to refund either money to me or to XXXX XXXX. 
I cited the press release and FAQs from Student Borrower Protection Center and Student aid states that Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. from Studentaid.gov and Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan ( such as a student loan refinancing company ), from XXXX She said this is only apply to a certain types of payments such as made by me, my parents, whoever, but refinance bank is considered Third Parties. If it is the case, then my parents is not third party??? Because they are not me correct? 
I pointed out that a lot of people posted on reddit had received their refunds ( who refinanced as well ) She said she has no clue what I am talking about. She does not know what XXXX is. I asked for point of contact at XXXX, but she would not give it to me. She said all I can do is wait for denial letter from XXXX. 
Ultimately, does loan servicer has the authority to do this? 
Who would be the one who approve for my request? 
Can a loan servicer deny my request? Without submit it to XXXX for review? 
What is the next step? 
There is no transparent here in the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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:
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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX** Balance : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: SLM CORPORATION
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a private student loan from Sallie Mae. I am late on payments. They have called family members, friends and employer to coerce me into paying. I called demanding that they stop and was told by account manager XXXX XXXX that she is allowed to reach out to whoever she wants and will continue to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Reviewed my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter onXX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 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 vears.

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. I demand these fraudulent items off 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 non-monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
BOTH XXXX  AND TRANSUNION DROPPED MY FICO SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX XXXX XXXX  TO XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?

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 2019-08-29
Company: LEADER ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am applying for a home loan and there is a home Mortgage foreclosure listed on my credit report provided by " Credit report trend credit data ''. The creditor is Leader one financial corp. 
The mortgage is a reverse mortgage that belonged to my mother. She passed away in XX/XX/2018. The reverse mortgage was a part of her estate, and I was not a signer on the mortgage. The mortgage went into foreclosure, and I purchased the home from Leader One days later. However my credit reports reflects the foreclosure on my credit. I was never a signer or co-signer on this mortgage, only the purchaser of a foreclosed home from an estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: OH
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX {$12.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX  : {$0.00}.

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 2022-10-13
Company: EQUIFAX, INC.
State: MO
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 am submitting this CFPB complaint as a follow up XXXX the previous CFPB Complaint I submitted on XX/XX/XXXX. This is my fourth endeavor to inform the XXXX XXXX XXXX that I am a victim of identity theft and I complain to question specific records in my document coming about because of the crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that are reporting on my Credit file. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Pleas have the following items deleted completely from my Credit File : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio says that I owe them {$2600.00}, but Portfolio has never sent a Regulation F letter, only letters with payment plans and threatening to send to litigation department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
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: Information belongs to someone else

Complaint:
This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I wrote the XXXX credit reporting agencies regarding unauthorized inquiries. They have not sent me information as requested regarding validation of said accounts that obtained a copay of my credit report. I have attached a color coded copy of my credit report inquiry section highlighting the unauthorized inquiries. On the dates of the unauthorized inquiries, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I only authorized XXXX XXXX and XXXX XXXX access to my credit report, as those are the ones I have an account with. Anything outside of that I did not give consent for. 

I also previously disputed late payments for XXXX XXXX, they are reporting all payments on time to XXXX, but still showing a XXXX  XXXX  late status. Please correct. A highlighted copy of my credit report is attached for this item. 

In addition to XXXX, I also disputed an incorrect late payment with XXXX XXXX. As you can see, they are not consistently reporting the month of the alleged late payment. On XXXX and Experian, they are saying the late payment was XXXX. On XXXX, they said it was in XXXX. This is inconsistent and inaccurate. As you can also see, they are not showing this account has been disputed, this shows they have not accurately investigated this account even with the submission via the CFPB portal. I demand these be deleted due to CONSTANT negligence. I will submit a FTC report if this is not corrected.

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 2023-06-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX  XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance XXXX XXXX {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-04-27
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Bank # 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 602 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Mr. Cooper Group Inc.
State: KY
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:
Mr. Cooper national star has reported to my account 30days past due I have made payments to my account twice in one month, my account was garnished from student loans that put me behind however when I did pay they would take my checks if my check did not go through they would hold the check and fraudulently forage my account and keep resending it to my bank with out my permission every week until they get there money, also if Im past 30days they post huge envelopes on my door and take pictures of my home, like theyve already sold it, I called to talk with lesion team they where rude the lady wouldnt give me her name and direct line to contact she also made a state ment ( we are very familiar with cfpb and we are not doing a recommendation to fix ur credit score ) I asked her why wasnt it on my credit score for last month that I was late she said  because they report the end of each month but I told her I shouldve gotten it by the XX/XX/XXXX she couldnt answer that it says I went from 60days to 30days which is a ly I should b current I owe XXXX from XX/XX/2019 current and my account is still reporting negative 30days! Its harassment and fraudulent activity going on with this company and it needs to stop! I want a new mortgage lender I should not have to put up with this company I am paying my hard earned money and I am not satisfied at all with the services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
After recently looking at my credit report, i noticed some un authorized inquires. Can you kindly removes these as it is hindering my credit. 


Thanks in advance.

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 2022-10-13
Company: NCB Management Services 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:
I have previously tried to work with NCB Management and they refuse to remove this alleged debt from the three major credit reporting agencies and continue trying to make me owe the debt. I have already mentioned to them that I need proof of this debt and simply presenting an agreement between them and the original creditor is not proof. NCB Management only provided me with an agreement between NCB Management and XXXX XXXX  XXXX XXXX. NCB Management took the risk of owning that debt and it is now their responsibility. I do not have a contract or agreement with NCB Management. They are not prohibited to attempt to make me pay a debt I did not agree with them. They are also not licensed to collect a debt in the State of Florida. You can see that copy attached, so they must by law, cease and desist all collection of this debt and zero out the balance along with deleting this information from all major credit bureaus. NCB Management claims they sent me communication when the alleged debt was first transferred over to them but I never received it and I haven't received a copy of this alleged letter either. This has taken so much energy out of me. I was trying to purchase a home, but this is stopping me from doing so. I am mentally, physically, and emotionally drained from working on this matter to make a better life for me and my family. Per Social Security Administration, NCB Management would need to provide me with an SSA-89 government form giving them permission to use my personal information and if they do not have that form with my signature, that is identity fraud.

Company response to consumer: Closed with explanation