BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've read on more than one occasion that while the pause is in effect, all payments would be applied to the principal balance, so I kept making payments believing those payments would decrease my loan balance only to find out that my balance wasn't shrinking as MOHELA applied those payments to the interest of the highest loans, and not to the principal as I was led to believe or interpret! I sent MOHELA a letter in XX/XX/2022, which I have attached as well as their response, and a copy of the statement on their website about how any money is applied to the various loans held. 

I am totally confused as to how MOHELA is able to not apply my payments to the principal balance if I'm reading online that if borrowers continued to pay through the pause, all payments would go towards the principal??? I'm totally confused about if my payments should be going to the principal balance or not? 

I stopped paying my loans because the interest will start again, and I'd be right back where I started with paying an amount, and it's not going towards the balance but only the interest. I'm sure others have complained about the interest, but I'm only interested in understanding paying while the pause in in effect, and those payments not going towards the principal? Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. 


This is the third time IPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX XXXX # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA.

Sincerely,

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 2023-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES 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 XXXXXXXX XXXX XXXXXXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Monarch Recovery Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX/XXXX/22, I used the functionality on XXXX XXXXXXXX XXXX website to start service at an apartment complex that I was planning to move in to. I chose the start date as XXXX/XXXX/22. Due to family emergency, I did not move into the apartment ; rather I moved to my parent 's home to care for them. On XXXX/XXXX/22, I used the functionality on XXXX 's website to stop service at the apartment. 

In XXXX, when I went to pay my final bill for the apartment that I had been living in for a few years, I noticed there was an outstanding balance of {$60.00} for the apartment I never lived in. I emailed XXXX  and stated that I never moved in to the residence. I assumed they would have adjusted the bill accordingly and only charge the basic service charge of {$16.00}. I checked the website account again in XXXX and XXXX to see if the bill had been adjusted. Seeing as how they ignored my email, in XXXX, I paid {$20.00} on the bill with the assumption that I would be liable for the full amount, which I accepted at that point ( or else I would not have paid the {$20.00} ). 
Today, I was notified by my credit score monitoring company that my account for the apartment I never lived in, went to collections. I went to the XXXX site and it shows the account is inactive ; there are no options to pay the balance online. 

I was NEVER sent any form of communication regarding this being in arrears. I was never notified by phone, nor by mail, nor by email. I have diligently tried to increase my credit score for the past two full years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: FL
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2019-08-28
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I had called ( XXXX ) XXXX and opted out of preapprovals on XX/XX/2019 yet nothing is showing in my XXXX XXXX report and my Equifax report reflecting that and I continue to be bothered with unwanted offers as well as unwanted inquiries appearing without my permission. 

Also, Equifax has my date of birth wrong since XXXX and my mailing address with them has become outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from my credit report entirely!!

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 2022-01-17
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This said debt has been disputed once, and was removed. Now it is showing back up under a new collection agency. The accuracy, dates, and amount could not be validated. The collection agency did not try to contact me in any form of communication. They just reported to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
In XXXX report. Midland Funding, XXXX acct. start with XXXXxxxx. In, are payment on XX/XX/19 of {$290.00} in XXXX reports in payment status it still says unknown. Im trying very hard to fix my credit. Please can this acct be removed completely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax reported and or published inaccurate information. I am writing to notify you of my intention to resolve a dispute regarding inaccurate information present on my credit report maintained by Equifax, in accordance with the provisions of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. As per this statute, I am entitled to pursue litigation as an alternative method of dispute resolution. 

I believe that the information in question on my credit report is inaccurate, incomplete, and fails to accurately reflect my credit history and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to the XXXX credit bureaus Transunion, XXXX, and XXXX to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

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 non-monetary relief
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I hope this letter finds you well. I am writing to address a longstanding issue that has significantly impacted my financial standing and has caused considerable distress. In XXXX, I experienced the sudden and unilateral closure of my personal checking account and all associated credit cards with Chase Bank. Unfortunately, I was never provided with a reasonable explanation for this decision, leaving me bewildered and without access to my banking services. 

Now, in XXXX, as I attempted to open a new account at XXXX of the Chase Bank branches, I was informed that my profile has been negatively marked, preventing me from opening a new account. The branch staff advised me to contact the Chase Compliance Department to obtain further information and clarity on the matter. 

In my pursuit of understanding and rectifying this issue, I promptly contacted the provided number for the Chase Compliance Department. However, to my dismay, the response I received mirrored the situation in XXXX. I was informed that they were unable to disclose any information and that I must navigate through this frustrating situation without being given an opportunity to present my side of the story or understand the grounds for the negative marking on my profile. 

This lack of transparency and denial of information not only impedes my ability to resolve the issue but also denies me the basic right to open an account with Chase Bank. I believe it is within my rights as a customer to be informed about the circumstances leading to the closure of my previous account and the subsequent negative marking on my profile. I am eager to address any concerns or rectify any issues that may have contributed to this situation. 

I kindly request that you review my case thoroughly, provide me with detailed information regarding the negative mark on my profile, and afford me the opportunity to present any necessary documentation or explanations to rectify the situation. I am committed to resolving any issues that may exist and would appreciate your assistance in ensuring a fair and just resolution to this matter. 

Thank you for your prompt attention to this issue. I look forward to receiving the necessary information and working towards a resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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:
AS OF XX/XX/XXXX - XX/XX/XXXX : UPON DECLARING MY : FIRST AMENDMENT RIGHTS MY CIVIL RIGHTS : TEXAS PRIVACY ACT XXXX MY STATE AND FEDERAL LAWS : TEXAS FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ) ... AS MY PEACEFUL RESOLUTION TO DISPUTE ALL MATTERS. HAS INSTEAD CAUSED A " DEROGATORY '' MARK BEING PLACED ON ALL COLLECTION CLAIMS ALMOST OVERNIGHT. INSTANTLY OPPRESSING MY PURSUIT OF PURPOSE IN MY LIFE.

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 2019-06-21
Company: LDF Holdings, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied with amplifier to Borrow some money I didnt realize they were charging 30 % for it and they said they sent me a notification in my email but I did not see it when I signed up for it. Interest is maybe 8.00 a day. Not sure. I borrowed {$700.00} but payback ending up over $ 2,000.to 2,500. If I remember correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I really dont know where to start with this whole process but I would say for the better part of 10 years now I have been dealing with debt collection agencies contacting myself and my family for debt that I have not accrued. I know a few years ago I call Trans Union and I called XXXX and I went through a process where I had to identify myself, and prove that I am not the person that they are looking for. I know when I get phone calls or debt collection in the mail they are asking for somebody with a very similar name and through the process I have found out that his Social Security number is two digit off but my TransUnion credit keeps getting hit for it, where as my XXXX is not affected ever. Im just at a loss because I have fought this before and it wasnt shortly after where the debt collections came back so I want to just know if theres something else I can do on my part before I try to call Trans Union again and deflect these charges but I have a feeling its gon na come back unless I do something proactively

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX compliance standards, I kindly request that you provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist on the immediate removal of the transactions reported in XXXX and XXXX from my consumer reports, as they are in clear violation of federal law. 
Before you consider responding with a request for validation, please understand that my query does not pertain to validation or verification. I expect no further delay in addressing these pressing concerns. 
Additionally, I draw your attention to 15 USC 1666b ( a ), which explicitly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given this provision, I reiterate my demand for the deletion of the above-mentioned transactions from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have two loans serviced by Fedloan Servicing ( acct # XXXX XXXX XXXX ). 
Accorded to their records, I have made 153 out of 120 required payments towards these loans towards forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program. I have called on multiple times and have been told that " everything looks good '' towards these loans getting XXXX, yet nothing has happened. The letter that I received from them ( dated XXXX XX/XX/2021 ), actually has the TEPSLF data missing from what the previous letter showed. In essence, going backwards. 
I have filed formal complaints with the company, your office, as well as the ombudsman office in Kentucky, both with no results. Below is the wording that I submitted on the loan servicer 's website tonight. Please help!!! 

I have been working on my TEPSLF package for several months now, but to date I am getting the run around. The last two times that I've called I was told that everything was good and that I would be getting new of my approval soon. This has not happened. I've also filed complaints with you and the ombudsman office ; no results there either. What does it take to get a straight answer about my application? I'm really getting tired of being ignored, and told false information.

Company response to consumer: Closed with explanation