BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: Williams & Fudge, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My previous complaint XXXX was closed immediately after the company responded. I appreciate the resource provided by CFPB, and I would like a second review of these facts as I believe the statements made to CFPB were false, and because they addressed just one of three alleged FDCPA violations in my complaint. 

XX/XX/XXXX  : I notified collector Williams & Fudge not to contact me at work. XX/XX/XXXX  : Followed up with a written request to cease contact at my workplace. XX/XX/XXXX  : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. In addition to these calls, I requested debt verification on XX/XX/, but received it on XX/XX/, violating the 30-day time limit in FDCPA 809 ( b ). Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge. 

-- -- -- Williams & Fudge did not address my allegation that they exceeded the maximum amount of time allowed to respond with verification of the debt. Williams & Fudge did not respond to my allegation that they failed to make required statements under FDCPA section 809 ( a ). 

Williams & Fudge claims that I did not tell them not to contact me at work and claims to have reviewed call logs in preparing their response to this claim. I have requested, on multiple occasions, not to be contacted during work hours. Additionally, Williams & Fudge claims that I only requested not to be contacted on my work phone. This is patently false. Not only was this communicated by phone, but the exact language of my emails is clear. 

" We spoke by phone on XX/XX/XXXX, and confirmed that this email is the best way to reach me. '' " In addition, my employer prevents me from answering calls during work. '' " Beyond verifying employment, my employer privacy policy prevents them from sharing information without my consent. I understand you have already verified my employment. Do not continue to contact my employer as that is the extent of information they can provide. Do not contact me at work. '' Williams & Fudge falsely asserts the claim that I only told them not to contact my employer and never asked not to be contacted during my working hours. 
Williams & Fudge claims to have conducted an internal review following receipt of my email complaint. They stated that call recordings and email communications were reviewed and did not locate any notification not to contact me during work hours. The supporting document of my original complaint demonstrates that I had made clear requests not to be contacted during work and raises doubt about the review conducted by Williams & Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: MOHELA
State: NY
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:
My eligible payments under the PSLF special waiver on MOHELA are incomplete. The following periods are missing : XXXXXXXX  ( 3 months ) XXXXXXXX  ( 7 months ) XXXXXXXX  ( 6 months ) I have already submitted employer certification for these 16 months, however, they are still not reflected as qualifying payments. MOHELA has already processed these forms and applied them to my account for the other periods that are covered. 

These periods should be eligible as I was participating in a Perkins loan cancellation program based on my " XXXX XXXX XXXX XXXX '' service as detailed at https : //studentaid.gov/XXXX. These loans are part of my consolidation loan. The other periods of deferment under this program ( an additional 32 months ) are already showing up as eligible payments. 

I am requesting that these 16 months be added to my eligible payment list and I be given credit for the employment certification that I have already submitted. This should increase my qualifying payments from 105 to 121 and make me eligible for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: IN
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 ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2019-08-08
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2019-08-08
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: Information is missing that should be on the report

Complaint:
These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KXXXX 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 2019-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After applying for the Capital One Venture card ( on XX/XX/2019 ), I received a denial stating " Based on your credit report from XXXX XXXX, length of credit history ''. 

However, I have over 30 years of credit history with XXXX XXXX. I do not understand the reason I was turn down. 

I tried to get an explanation from the customer service department, but they stated that they have no information concerning this credit card rejection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CITIBANK, N.A.
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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

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 2023-11-01
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
From XXXX, XXXX, I was only enrolling in two to one hour per semester at XXXX XXXX  Therefore, I was attending less than half time, so I would not have been eligible for an in-school deferment. I also did not request an in-school deferment during this timeframe. Since I did not request an in-school deferment, I was under the assumption that my student loan payments were paused due to the COVID-19 payment pause. I graduated from XXXX XXXX in XX/XX/XXXX, and the months after graduation were also not counted. I was also penalized for the six months after graduation. 
However, when I applied for the Limited PSLF waiver, I was told by Mohela that three of my loans would not be eligible for forgiveness due to an in-school deferment that I did not apply or qualify for. As a result of this, I have hanging loans or three loans that were not forgiven during the Limited PSLF Waiver. This is my twenty second year in education, and I have a qualifying employer, The Limited PSLF Waiver for was submitted prior to the deadline in XX/XX/XXXX. Your support with this would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: GA
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-11
Company: EQUIFAX, INC.
State: FL
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, XXXX XXXX XXXX, am writin in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX, Inquiry from XX/XX/2021. DID NOT AUTHORIZE

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 2023-08-04
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  Inquiry Date XX/XX/2023 XXXX XXXX  Inquiry Date XX/XX/2023 XXXX XXXX  XXXX Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2023

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: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been paying my XXXX  loans for XXXX years and I am on a repayment plan of a total of 20 years then they will be discharged/forgiven. My student loans have been paid to XXXX XXXX XXXX ( XXXX ) since 2015 ( 8 years ) and they were transferred over to NELNET. I have asked Nelnet 3 times ( once on the phone after waiting on hold for XXXX hours and twice by emailing them on their message portal on their website ) to provide me with a breakdown of my payment history of 8 years and they will not. They refuse and I am worried that my 8 years of repayments will not be counted towards my 20 year forgiveness and will be lost. I called XXXX and they told me to file a complaint against Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-11
Company: EQUIFAX, 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: CT
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:
Remove XXXX XXXX XXXX XXXX they are reporting this in my report. this should be removed from my report since XXXX the statue of limitation has been exhausted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Diversified Consultants, Inc.
State: UT
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:
Diversified Consultants # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Maximus Education, LLC dba Aidvantage
State: MO
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:
On XX/XX/XXXX, I made a payment for {$52.00} on my loan. I got email confirmation from it and that it was processing and then that I was confirmed. When I checked back on the website it said I was past due and I owed money. So I paid it again on XX/XX/XXXX for {$150.00} to make sure I wasnt get late dues or affecting my credit score. 
I then received an email on XX/XX/XXXX saying the payment had posted on the website. It hadnt, I went back and checked it says that my payment was reversed. 

I do not want this to affect my credit score when I have proof I am paying my loan on time. 
I also tried to make payment on these days as well on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$150.00}, XX/XX/XXXX {$150.00} and XX/XX/XXXX for {$150.00}. I reached out then and never heard anything. I assumed since loans were paused at the time it didnt matter and maybe that is why they were being reversed. 

I never had a problem paying my loan before and I have always been on time until the loan payments were paused now I can not pay them and I would like to be finished with them and not affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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