BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

XXXX XXXX XXXX XXXX XXXX  How is Trans Union reporting the account type as Open, while XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX XXXX not supply that information to you? 
Trans Union is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: MOHELA
State: IL
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:
Good Morning, I am submitting a complaint in regards to PSLF counts not being updated properly in a timely manner. There have been numerous borrowers that have similar timeframe as myself that had there counts updated. Instead, Ive been told another 90 business days from Mohela. 

Below is my timeframe. 

XX/XX/XXXX : Used PSLF tool helper to generate PSLF certifcation/waiver application. Submitted via mail PSLF certification/waiver along with consolidation. Received/Processed XX/XX/XXXX. 

XX/XX/XXXX : XXXX  reports missing handwritten signature, which was resent back the same day. Per XXXX, XX/XX/XXXX received missing documents/processed. 

XX/XX/XXXX : Transferred to Mohela and loans dispersed XX/XX/XXXX. XXXX Mohela website, PSLF application states it was processed on XX/XX/XXXX. Employment approved/verified. 

XX/XX/XXXX : Called Mohela to inquire on status with PSLF Waiver counts. Per PSLF specialist, able to verify approved PSLF employment. States it will be an additional 90 days starting XX/XX/XXXX. Informed specialist that there have been numerous people that have had waiver counts completed with similar timeline and asked why another 90 business days. However, specialist was unable to give proper answer on why the clock was resetting back to 90 business days.

I would like an update on the situation as there hasn't been a good answer on whether my application is under review so that I verify accuracy of PSLF counts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Exeter Finance Corp.
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:
I have been a victim of fraud for since 2008. Im a XXXX XXXX XXXX XXXX. I served XXXX wars for my country. While XXXX my identity was stolen. Ive written XXXX, XXXX, and XXXX XXXX several times about fraudulent inquiries and fraudulent accounts. Ive disputed these items for years. They still appear on my credit file and its impacting me to be able to get a home and other credit. Please assist. 
The accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX, which are all paid in full even though theyre fraudulent accounts. Exeter Finance which is a loan I never opened. And over 20 inquiries which theyre shouldnt be none. Please help me. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: MS
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:
I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX US SMALL BUSINESS ADMINISTRATION 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 2020-05-07
Company: EQUIFAX, INC.
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NC
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 : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX 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 years.

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.

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 2023-10-18
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: Personal information incorrect

Complaint:
This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX The following names on my credit report : ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX These names are incorrect spelling of my name, nor do I go by or been called by or mailed information in these names they are illegally reported to my credit report with the company Experian. 

2. My Address : The only address I can verify and do receive mail at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong to me, nor can I receive mail at this address. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
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. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX, account number 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the following information in my file. 

Two XXXX XXXX accounts with the same account numbers XXXX are reporting inaccurately on my credit report with XXXX  different open dates, and credit limits. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

Please investigate this matter and delete as soon as possible. 

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 2022-04-09
Company: Early Warning Services, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I am selling some items on XXXX XXXX. This individual " XXXX XXXX '' ( XXXX XXXX  ) XXXX or XXXX... made an appealing offer that they were going to pay me {$400.00} but I had to send {$300.00} first in order for my account to become a business account. However, I soon realized that ZelleXXXX never had such an extensive process and the transaction itself took so long so that's when I connected the dots. If you're ever in this situation, try to keep in contact with the scammer for as long as possible and get as much information as you can. I am secretly reporting this individual in hopes to get my money back. Watch out for yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: AR
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:
n accordance with the Fair Credit Reporting act XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Ocwen Financial Corporation
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: Old information reappears or never goes away

Complaint:
XXXX XXXX, XXXX I bought a house through GMAC Mortgage company. I lived in the house until I sold it on XXXX XXXX, XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of GMAC mortgage was bought out by OCWEN Mortgage and it appears on my XXXX account even though the GMAC account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to OCWEN on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I spent over an hour and a half on XXXX/XXXX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( GMAC and OCWEN/GMAC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions 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 viewed my credit report and notified the credit agency OVER 30days ago that my credit report had fraudulent accounts.

I sent in the needed information in order for them to successfully block these fraudulent items from my credit report pursuant to 605B : I provided proof of my identity, list of the fraudulent information on my credit report, and a copy of a completed and submitted identity theft report with the Federal Trade Commission from identitytheft.gov YET AND STILL, these items remain on my report and these credit agencies called them " verified '' accounts with no evidence or proof of that ever mailed to me pursuant to 15 USC 1681 - " Disclosure of investigative consumer report. '' They are violating my consumer rights. Both through 605B and 1681B.

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 2023-02-18
Company: Williams, Alexander & Associates, Inc
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After failing to provide written notification of an attempt to collect on incorrectly billed medical debt, the company began harassing me on a daily basis and is continuing to demand payment on a bill they agree was misfiled. I submitted a dispute letter in writing to which they acknowledged receipet and continue to threaten me with legal action suggesting that simply paying this misfiled debt will make everything go away and be easier in the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2021 I put a downpayment on a car with this company Westlake financial of {$2000.00} and also paid {$980.00} in additional charges for having it XXXX months, they're in violation of the truth in lending act as I paid cash and a downpayment on my vehicle they're also in violation of XXXX XXXX XXXX and XXXX XXXX XXXX I would also like to use my right to rescission and collect all remaining funds from the vehicle plus my down payment and my money for installments I would also ask to dispute this charge off of my credit report as it hurt my XXXX XXXX for the remaining time

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 2022-08-05
Company: EQUIFAX, INC.
State: GA
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:
Company is inaccurately reporting information that I have previously advised was not mine. I have disputed these items for months and despite the company starting it was mine, they have been unable to verify this debt and are unwilling to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I tried working with WellsFargo Mortgage for the longest time for a loan modification back between XXXX. I got laid off and it was difficult finding another job so I try to apply for a loan modification with the income that I do have. It was denied. The second time, I got a job but it was paying/salary was lower. I then again apply for the XXXX loan modification for a much lower monthly payment but it wasn't approve either. By the third time, I try to apply again for the another loan modification and again it was denied. 

I had to pay an attorney in the amount of {$45000.00} in an installments to file for bankruptcy to protect my home. After XXXX years long of continuous efforts, I work with the bankruptcy attorney to help with the loan modification and again it was denied. Even though, I try to maintain my payment to upkeep the mortgage along with the prior balances, it got snowball and went spiral into a higher balance along with interests and fees. With the bankruptcy filing, it was not helping me to resolve and able to keep my home to which I love very much. I need this home to be a home for my children to continue their schooling but without the help of Mortgage dept to help with the loan modification, I was not able to live but to do a quick sell to avoid foreclosing. 
I feel that the Wells Fargo Mortgage was not doing their job in helping me to avoid the pain/suffering of loosing my home and in the mean time it was the most stressful event ever in my life. I do feel that it wasn't fair treatment as I did try in so many ways to protect my home and only to find out that I can't save it. I do feel I was discriminated b/c my XXXX language barrier. 

I feel that I was not treated fairly and none chooses to help me in saving my home. 

Sincerely, 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 2018-12-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have a account with XXXX XXXX/ XXXX XXXX , account number XXXXxxx balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from experian and XXXX. XXXX  already deleted this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: GA
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:
Goodwill Letter to XXXX XXXX In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The XXXX XXXX account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old XXXX XXXX account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.

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 2023-02-17
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 Enhance Recovery Company trying to charge me {$670.00} for someone using my identity to put a cable bill in my name that I had no clue about. I reach out to them to get it resolved and I cant seem to get the response I need.

Company response to consumer: Closed with explanation