BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My servicer MOHELA is incorrectly denying me access to the PAY AS YOU EARN repayment plan. On XX/XX/XXXX, MOHELA approved me for the Income Contingent Repayment plan, but today, XX/XX/XXXX, a supervisor and customer service representative have incorrectly informed me that was the only IDR plan I was eligible for. Thus, I am seeking help from the CFPB to allow me to properly access the PAYE plan for my single Direct Consolidated Unsubsidized student loan. 

I had no federal student loan balance prior to XX/XX/XXXX, and have also borrowed at least 1 Direct loan after XX/XX/XXXX, therefore classifying me as an " eligible new borrower '' for PAY AS YOU EARN under 685.209 ( a ) ( 1 ) ( iii ). First, in XX/XX/XXXX, I consolidated my Parent PLUS loans into a Direct Consolidated Unsubsidized loan. In XX/XX/XXXX, this loan was consolidated with 3 Direct Stafford Unsubsidized student loans into a new Direct Consolidated Unsubsidized student loan, which is the loan I currently have with MOHELA, and the same one for which they are denying my PAYE repayment plan request.

Per 685.209 ( a ) ( 1 ) ( ii ), an " Eligible loan, for purposes of determining whether a borrower has a partial financial hardship [ ... ] means any outstanding loan [ ... ] except for a defaulted loan, a Direct PLUS Loan or Federal PLUS Loan made to a parent borrower, or a Direct Consolidation Loan or Federal Consolidation Loan that repaid a Direct PLUS Loan or Federal PLUS Loan made to a parent borrower. 

My current Direct Consolidated Unsubsidized student loan with MOHELA is not a loan that repaid a federal PLUS loan made to a parent borrower as it repaid Stafford Unsubsidized and a Direct Consolidated Unsubsidized loan, and is therefore eligible for PAYE. 

Under the proposed Prosper Act, HR 4508, the XXXX House Majority proposed in Sec. 466. ( 5 ) B to make " excepted consolidation loans '' ineligible for repayment options such as the PAYE plan. They specifically defined an ineligible loan for options besides ICR as a loan that repaid a Parent PLUS, a consolidation that repaid a Parent PLUS, or a consolidation that repaid a consolidation of a Parent PLUS. The proposed Prosper Act failed and therefore, this condition does not exist under current law. If this restriction currently existed, Congress would have had no need to attempt to change 685.209 ( a ) ( 1 ) ( ii ) to add the additional restriction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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 belongs to someone else

Complaint:
I XXXX XXXX am a victim of 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 2021-01-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I provided a letter from XXXX XXXX  to XXXX XXXX of Fifth Third Bank. The letter was addressed to me. At no time did I give consent or authorization for Fifth Third to share my personal information with anybody. Fifth Third took it upon themselves to contact My creditor, XXXX XXXX, and share confidential and private information regarding my Fifth Third Mortgage with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-01-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have contacted the bureaus on several occasions to see the status of the inaccurate information on my report. I have noticed several items that are unknown and clearly do not belong to me. This is clearly not right by continuously reporting inaccurate information and I also have not been informed of any type of status with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX This company reported an account with XXXXXXXX XXXX XXXX  as a charge off. A charge off is considered defined as taxable income. Why is income being reported on my consumer report. It is illegal to furnish income on a consumer report.It cant be considered both income and debt which is it? You are violating my laws and preventing me from being successful in life. Please remove from my consumer report immediately. 

My rights as a consumer are protected under Title 15 chapter 41. 15 USC 1601 highlights the consumer informed use of credit. At the time I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding and misinformation.

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 2021-01-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Identify theft fraudulent account XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX This account was previously deleted on XX/XX/XXXX This debt was erroneously put on my credit report under the fair credit reporting act it is against the law to readd an erroneously credit debit back on my credit report

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 2023-01-16
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I booked a trip with a company called XXXX on XX/XX/XXXX. This is the XXXX the XXXX time we have used this company over the past 4 years and have never had any issues. This year rolls around and we are in a pandemic and my trip was canceled by the company and they said we have issued you a credit for the amount of the trip. However, you will not receive exactly what you originally booked unless that is available. I knew in my mind that the trip we had planned was not going to be rebook-able at the rate I had received for what I was getting. I had reached out to the company who refused to give me any money back at all. After a week of arguing with XXXX  I went to my bank. I wanted to disputed the 3 charges on my account. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Wells Fargo refused to even dispute the initial 2 because they said visa will not investigate due to the age of transaction. They did issue me a credit that was deemed finalized in XXXX  of 2020! Then in the process of trying to get them to even dispute the initial 2 charges they said the company sent over a signed agreement where you forfeit your right to dispute because of the agreement. I never signed anything. Ever. I finally got the company to agree to give me a partial refund however they would not refund me {$1200.00} due to the airlines refusal to give them a refund. I said no worries wellsfargo already had given me a credit at the time ( prior to the reversal ). In lateXXXX right before XXXX without a warning I go back into my account ( I had already switched everything out due to their terrible customer service and refusal to assist me, but was waiting on XXXX  to give me a refund on my original form of purchase ) and wells Fargo had taken back the credit they had given me without any warning. They just sent my account into the negative knowing I was waiting for the refund and the 2nd stimulus. I called back again and they said we notified you. I said how? I never was aware of anytime that they had reversed the decision. No messages in my inbox. No emails. Nothing. They were waiting. They knew money would be going into that account and preyed on it and waited for the right moment because they knew funds would be available. They need to be investigated for these awful practices.

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 2023-03-31
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be deleted ASAP. Thank you. 
XXXXXXXX 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 explanation
Consumer complaint received 2021-01-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've sent XXXX letters to XXXX ( National Credit Systems ) to verify a debt they are reporting on my credit. All XXXX credit bureaus were reporting different balances and I did not recall having this alleged balance they noted. The company sent me a letter on XX/XX/2020 stating the balance owed was {$5000.00}. They also sent a balance sheet. which didn't align to this. Then on XX/XX/2020 they sent a letter stating the balance was {$4600.00}. Both amounts did not align to the balance sheet. They could not provide a correct amount while at the same time verifying inaccurate balances with the credit bureaus ( at least that is what the bureaus said when they said they verified the debt ). Why would this company send me XXXX different letters with XXXX different amounts and also include a balance sheet that does not line up to the amounts in these letters. Is this fraud? Can they do this? I feel my rights are being violated here. 
I also asked them to provide me proof of this debt including that they have a right to collect and the appropriate licenses in my state. I also never received notice from them when they took this account over so that I could dispute it initially. So many rights have been violated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a Wells Fargo account in XXXX XXXXXXXX that i closed but I was not able to file a claim form for the settlement that I should have been apart of. I believe Wells Fargo owes damage fees to me.

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 2022-02-19
Company: EQUIFAX, 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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting AcXXXX 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/2008 XXXX XXXX Balance {$0.00} XX/XX/2008 XXXX XXXX Balance {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Their investigation did not fix an error on your report

Complaint:
There is a credit card account of XXXX  XXXX XXXX ( closed ) in not mine so ask them to remove it but still existed

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 2021-01-14
Company: EQUIFAX, INC.
State: IA
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 has been incorrectly reporting payment history to XXXX, Equifax, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, XXXX, Equifax, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, XXXX  had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I am very disappointed and I will file a lawsuit if this is not resolved.

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 2021-01-14
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-01-14
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am being charged roughly double for my taxes. Freedom mortgage is debiting {$1900.00} per month for my taxes which are {$6500.00} yearly. This could lead to approximately {$10000.00} more a year than needed by the township. All necessary paperwork has been submitted multiple times via email and fax for close to 4 full months. The continued response is we are working on it with no follow through. We have maintained timely payments but will not be able to maintain if this continues. Our quality of life continues to suffer because of the actions of freedom mortgage.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 having difficulties with buying a house and applying for new credit cards. I paid the collection ACCOUNTS RECEIVABLE, Reported : XXXX. XXXX, XXXX  and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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