BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: AES/PHEAA
State: GA
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:
Previously, I filed a complaint XXXX regarding how FedLoan Servicing was counting my qualified payments for XXXX. 

On XX/XX/XXXX, FedLoan Servicing provided the following response and my complaint was closed : " The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of your account. Specifically, we reviewed your payment history, your repayment plan history, and your forbearance and deferment history with each of your servicers. Please Note : PHEAA conducts its student loan servicing operations commercially as American Education Services and for federally-owned loans as FedLoan Servicing. In your inquiry you expressed concern regarding the number of payments credited toward your pursuit of loan forgiveness under the XXXX XXXX XXXX XXXX ( XXXX ) program. Our review of your account determined that you submitted Employment Certification Forms ( ECF ) that were approved for the following periods : XXXX XXXX Government - XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX, Ga XXXX Defender Standards - XX/XX/XXXX To XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX To XX/XX/XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX Government - XX/XX/XXXX To XX/XX/XXXX, XXXX XXXX Government - XX/XX/XXXX To XX/XX/XXXX, And XXXX XXXX Government - XX/XX/XXXX XX/XX/XXXX. You have made 105 XXXX-qualifying payments. You can view additional details online at MyFedLoan.org. If you have additional questions regarding your account, please contact FedLoan Servicing at XXXX. Loan representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX XXXX. '' In fact, on my online FedLoan Servicing account the payment tracker was updated to 105 qualifying payments. On XX/XX/XXXX, I received a letter from FedLoan Servicing stating that my XXXX for XXXX had been approved, which was the period of employment that was in controversy previously. 

Shortly before the New Year, I checked my online account again because I had submitted another ECF for XX/XX/XXXX and XX/XX/XXXX and wanted to check the status. I found that my qualifying payment tracker was back down to 93 and the payments made during XXXX were now, again, not qualifying. Of course, when I call or chat with FedLoan Servicing, no one can explain to me what is going on. I need this fixed, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Loan Open Date : XX/XX/2009 Loan Amount : {$8300.00} As a recent XXXX XXXX XXXX, I was not sure what I wanted to do with my life. I decided to go to XXXX XXXX for information about the programs they offered. Their commercials drew me in because they mentioned they had a high rate of obtaining employment after graduation. Their sales/recruiters were super friendly and pushy. I only went for information ; however, they did not let me leave until I signed up for one of their programs. 

I was young and nave. I was also at a point where I wasnt sure what I wanted to do with my life, and I felt that they were leading me in the right direction. I told them I was interested in Technology or Computer Science a
nd they advised me to pursue a degree in Computer Drafting and Design. At first, I told them I didnt know anything about that program, and I wasnt comfortable about pursuing a career in that field. They assured me it was similar to what I wanted to do. I took their word for it and enrolled in that program. I attended for about a year and the program was not what I was told it would be. I met with a counselor and she changed me to another program, however, I enrolled halfway through the course and could not catch up. I didnt want to quit especially after taking out an {$8000.00} loan but I had no choice. I felt that I was set up for failure. As a result, I went into a deep XXXX and contemplated XXXX. 
Its not fair that 10 years later, I am still paying for something that I felt forced into and for a school that is obsolete and has no credibility. I cant say I am shocked to see that school close down because their sales tactics were misleading and deceptive. They also tricked many people into taking out high-cost loans without understanding the terms and conditions for paying them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: OneMain Finance Corporation
State: CA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, ONEMAIN FINANCIAL SERV add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY.

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 2021-01-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XX/XX/2020 I discovered inaccurate and fraudulent information on my credit report. I contacted the credit bureaus that were reporting the inaccurate and fraudulent information.They continue to report the fraudulent and defaming information as of XXXX. They have yet to provide me with any validation of debt and my request for damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Upgrade, Inc.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for an Upgrade Rewards checking account ( serviced through XXXX XXXX Bank ). I sent in documentation via drivers license and live picture of myself. I called and was verified over the phone. I was told that it would take a few days and I would receive approval email. I received denial letter instead the next day. 

I called back asking for an explanation since it says Identity could not be verified Unable to find credit profile at bureau from XXXX 

I confirmed my XXXX profile is not currently frozen. I assumed it was a mistake since the information on my Drivers License matched my credit profile and I've never experienced this issue before. I talked with someone and he said he couldn't provide any more information and suggested I try again. I tried again, sent multiple follow-up emails to support and am still receiving the same notification ( attaching ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: IL
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:
Subject : Request for Comprehensive Re-Investigation and Clarification - Complaint ID XXXX Dear Equifax Dispute Resolution Department , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and subsequent amendments under the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting a comprehensive re-investigation concerning the previously filed complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
* Adverse Accounts Verification : * The purported verification of the XXXX XXXX XXXX account is lacking in substantive evidence. I hereby request a detailed disclosure of the verification process, including the name and contact information of the furnisher pursuant to Section 611 ( a ) ( 7 ) of the FCRA. 
* Trade Modifications Clarity : * The modifications on the XXXX XXXXXXXX XXXX trade are ambiguous. I demand a complete breakdown of all modifications, including payment history, account status, and balance, in accordance with the Truth in Lending Act ( TILA ).

* Non-Reporting Disputes Confirmation : * I seek a formal written confirmation regarding the removal or non-reporting status of the disputed trades with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 
I expect a human-reviewed, detailed response that addresses each concern explicitly. Failure to provide a satisfactory response within the stipulated 15-day period as outlined in the FCRA may compel me to seek legal recourse to ensure the accuracy and fairness of my credit report. 
Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Dear Sir, Madam Once in a while, I used Money Gram 's express payment service to pay my car financing company. So, I did again on XX/XX/XXXX. I went to XXXX and paid to have a Money Gram express payment sent to my financing company. This company did not get paid. So, I set up a payment arrangement with it and headed, about mid-XXXX, to XXXX to get a refund of the {$360.00} ( before taxes ) that I sent to the financing company. I could not find the receipt, and did not have my phone with me. So, XXXX  offered me to use its phone to talk to Moneyram ; which I did. The gentleman at the other end of the phone told me that because I did not have my receipt, tough he found record of my transaction, the refund will be available to pick up at XXXX   only after 10 days from that middle of XXXX when I spoke to the Moneygram 's gentleman on the phone. So, on the XXXX of XX/XX/XXXX, I called MoneyGram to make sure that the refund was processed. The Money Gram 's representative told me that it was not done yet, but by the XXXX of XXXX, I will be able to pick up my refund at XXXX. On or about that date, I called MoneyGram again. This time the person who entered the phone told me that I should not have included week-ends in my computation. ; that instead to expect the refund on the XXXX of XXXX. So, today, I called again and was told to call in 3-4 days. Then, I thought to myself that something must be very wrong. I tried to reach Corporate office ; left a message, sent another one ; tried to chat. The lady at the other end of the chat, XXXX, wrote that she was not able to help me., without giving me any reason. So, my suscipions only grew. I have already noticed that MoneyGram 's automatic answering machine was not able to recognize the reference number on my receipt, each time I called. I have been doing business with MoneyGram for more than 10 years, I believe, and nothing like this ever happened to me. So, I am asking for your help, to, please get my money back. I thank you for your time and attention. Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage was with XXXX and transferred over to Mr. Cooper in XXXX of 2021. 
This issue started with XXXX Mortgage company ( who we previously filed a complaint with CFPB ) and has transferred over to Mr. Cooper. 
Mr Cooper is reporting to the credit bureau that I have 4 late payments which is incorrect. My wife has spent countless hours and months trying to fix the issue that was initiated with XXXX Mortgage company, they showed our payments being made but that the funds were sitting in a " Suspense account ''. and my wife was informed by XXXX Mortgage that they issue will be fixed and resolved by XX/XX/2021. Now we are dealing with Mr. Cooper who has reported my mortgage with 4 lates and we are paying back payments which is incorrect. 

We spoke with XXXX XXXX in Mr. Coopers Escalations team but he has not responded to us. We received a notice in the mail on our case and were informed that XXXX XXXX is our dedicated contact person and then received another notification that XXXX XXXX will be our contact person at Mr. Cooper. We have tried to reach out to all 3 parties via phone and email with Mr. Cooper and provided them proof of our mortgage payments with a thorough explanation of the history and of events and we still have not heard back from anyone. In the meantime, my credit has been impacted significantly and I was unable to refinance my mortgage to get a lower rate and payment. I am asking for your helps with this devastating issue to get resolved. Mr. Cooper is showing me behind in payments in the amount of {$5800.00} and that is not correct, those funds were the funds that were sitting in " Suspense Account '' with XXXX Mortgage. 
I have provided all the documentation that Mr.Cooper has requested which is including the attachments below ( there may be duplicates attachments ) in addition to an explanation on what had happened and still I have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: CA
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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 am stressed out that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish officially. I am a victim of identity theft as I do not recognize those items in my credit report. Its very hurting when I see accounts that I do not recognize in my report and unfortunately, I am forced to write letters and complain. Please check them all and investigate and delete them forever as I have never signed any documents with them, and never authorize them.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The only name I should have on my CRA report is 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-01-06
Company: Quality Asset Recovery LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never received anything in regards to this account. I have no knowledge of this account. I have tried contacting this company and have received no response.

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 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. *see attachment* Document password - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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