BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Affirm Holdings, 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: Their investigation did not fix an error on your report

Complaint:
Ive reached out to XXXX and Affirm regarding a balance Ive been trying to pay since 2018. Every time I call Affirm Im told theres no balance but XXXX is reporting I owe {$100.00}. I have asked XXXX on many occasions to remove this account and they have failed to do so. I just called Affirm this evening and spoke with XXXX she stated theres no balance on the account I said according to XXXX I owe {$100.00}. I said please let me pay this so this account can be zeroed out and removed from my credit report. This creditor is refusing to accept payment and XXXX is refusing to remove this account. Its been over 5 years Ive been trying to get this cleared. Just removed the account you are reporting an account with no balance per Affirm. I have XXXX saved phone recording and conversation with Affirm. If XXXX doesnt remove this account Im taking legal actions this is ridiculous. This violates the Fair Credit Reporting Act. Come on now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

How come that XXXX reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
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 letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2023-03-14
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: Account status incorrect

Complaint:
I checked my credit report and saw that the accounts I have been disputing are still appearing on my report even if I already said that it's not mine and I already filed an FTC report for it. This is violating my rights and I wanted these Items removed from my report. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the pandemic i took advantage of the forbearance due to my husband bring out of work. The forbearance ended XX/XX/2022. I contacted Mr Cooper to discuss next steps, I agreed to have the owed amount placed at the end of the loan. I was told I'd automatically be approved and wait for the paperwork. I received the paperwork but realized it still was in my maiden name and the notary would not allow me to sign. I contacted Mr Cooper on XX/XX/2022 and started the process of changing my name. I sent all documents and was told it could take us to 30 days. I kept following up and in XXXX was told they needed additional information which I sent same day. I finally received the paperwork XX/XX/XXXX and scheduled a notary with Mr Cooper. The notary never showed up so I had the notary done in town and overnighted. I didn't sign both maiden and married name so it was rejected. New paperwork was issued and I had it signed and overnighted. This was at the end of XXXX. I've tried making payments but this whole time was told I couldn't until the paperwork was processed. Finally I spoke with XXXX XXXX who has been following up weekly. She told me she'd escalate the request and also scheduled my 4 months of payments which would make me current. The payments were supposed to be pulled by XX/XX/XXXX. I advised this was not done she stated they switched payment vendors and would make sure it was pulled. As of today no payments have been taken and my modification was rejected again even though XXXX stated there were no issues and she'd escalate to her manager. I'm not in default with no updates besides multiple reps looking into it. I have the funds to cover XXXX through XXXX but Mr Cooper has not taken the payments even though I have the email confirmations and my loan modification still isn't completed. I'm sure I'll be contacting about foreclose proceedings soon and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I file a complaint to Experian because, my address was being reported wrong they never change it.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: OH
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 has incorrect / missing data past XXXX. XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 
Experian when disputing incorrect/missing data past XXXX for this line keeps reporting post dispute the line as a Charge off each month I submit a report to remove line due to incorrect/missing data & past XXXX. 

I have contacted XXXX directly who reports via phone that incorrect/missing data past XXXX can not be validated by them as they are unable to access the data due to age of the line. I was advised to contact the credit reporting to have the line updated/removed. 

When asking the XXXX owner who is updating the info incorrectly to the agency, the XXXX could not access the data due to the age of the debt. 

XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 

Requested Experian to remove due to incorrect/missing data and the age of line past XXXX. Experian instead keeps adding charge off indicator each month a dispute is added vs adding the original charge off date.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not XXXX XXXX  accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.

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 2018-08-27
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated from XXXX University back in XXXX, My degree was conferred in XXXX, My account was never updated until this year of me being a graduate, I have a lot of fees on my account and would like them to be removed so that I can get an apartment, they are not going to help with that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account opened : XX/XX/XXXX I have had some issues with paying on time and my car was respossed but I had it reinstated. I am back on track and making regular payments every 2 weeks. Ally Auto has been reporting my account on my credit report as closed. This is not true. I have emailed them about the issue. They responded that I needed to call. I called and they said they could not help me and gave me the same phone number I had just called. I emailed them again today. 
I received an email today XX/XX/XXXX from XXXX XXXX that indicated my score went down. When I looked at what changed, it said that Ally reported between XX/XX/XXXX and XX/XX/XXXX that my account was closed. They also added the following remark : Consumer disputes after resolution Redeemed or reinstated repossession Fixed rate. 
My car is not repossessed and the account is not closed. This is hurting my credit score and my chances of helping my son get a parent loan for college this fall.

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 2020-01-14
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company began calling me on XX/XX/2019. At first they left me a couple of messages and since then all they have done is call me repeatedly. The phone calls start as early as XXXX XXXX, no matter the day of the week and as late as XXXX. They have called me sometimes 7 times in one day and I am now getting texts and even XXXX messages from people that I don't even associate with, asking me if I have put their names down as a reference or something because they are also receiving multiple phone calls from this company. One person I haven't had any actual contact with in almost 15 years! This week they have started calling me at my workplace and they call there multiple times a day as well. They have even asked the receptionist personal questions about me. My phone company has tagged them as a " spam risk '' so I don't even know if they are legitimate. I feel as though I need to block the number but that will not stop them from calling my workplace and other people they feel I am in touch with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$510.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: MOHELA
State: NC
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 have tried called MOHELA multiple times to figure out when they will process my IDR- SAVE Plan application that I submitted on XX/XX/2023. It is now XX/XX/XXXX and my application still says processing. My first payment is due XX/XX/2023 and I need my payment drastically reduced. I have attempted multiple calls to MOHELA customer service, waiting over 2 hours to speak with a representative each time and have not been able to get a hold of anyone to answer my question. I did everything on my end to reduce my payments for my PSLF so I could make my payments on time and now I am going to be behind on payments and my loan forgiveness because MOHELA cant get their act together.

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 2018-08-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I couldn't find the appropriate category for this but this was the closest one since I believe credit reporting agencies are considered third parties. 

I phoned Fair Collections & Outsourcing on XX/XX/2017 to inquire about a collection account on my XXXX credit report. 

A couple of hours later, I received an alert that they had run an inquiry for an installment loan which I 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 2023-06-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX  has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Been trying to call them since XX/XX/XXXX when I seen it was on my credit report I have called at least XXXX times and left several voice mails have not received anything from this company about this either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
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 the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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
Consumer complaint received 2022-11-12
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Inquired on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account, 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. 

XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX  Account, 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. 


XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account, 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 2023-06-15
Company: Experian Information Solutions 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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 ACT CREDIT REPORTING ACT XXXX ACCOUNT # 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, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am filing a complaint to Chase Bank in regards to the response that I received from the bank for initiating a refund process for unauthorized transactions of amount {$790.00} from my checking account. I appreciate their response to my complaint, but the response didn't address my issue as well as it didn't help me finding a solution. 

As their response ( attached document ), the Chase Bank sent me a 30-page booklet of " Deposit Account Agreement Privacy Notice How to Contact Us '' and a general explanation of 60 days time frame of claiming a refund. 

The amount of {$790.00} of unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. I immediately contacted the bank and filed a claim according when I first noticed those transactions on my bank statement on XX/XX/XXXX. So, all those unauthorized transactions happened within the past 60 days since I filed the claim. 

The bank in their response didn't address those transactions. However, they mentioned a transaction happened in XX/XX/XXXX. Unfortunately, they didn't explain enough how the XXXX transaction got linked with the unauthorized transactions. 

Again, Chase Bank 's response by sending some printed legal terms and general information didn't help me to find a solution. I would sincerely appeal to the bank to initiate a refund process so that the party/company who got the {$790.00} of unauthorized transactions can refund the amount. 

I've been with this bank for more than 20 years- I opened the account with the then XXXX XXXX/XXXX  XXXX. I hope that the bank would consider the suffering of a small account holder like me where {$790.00} is a big deal. 

Thank you,

Company response to consumer: Closed with explanation