BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Conn's, Inc.
State: OK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I bought a living room set totaling {$2500.00} from Conns HomePlus. On XX/XX/XXXX I got an email with a payment plan saying the total I would owe them with the payment plan was {$3100.00} and I owed {$100.00} per month. I had a lot of issues signing onto to their site and getting a hold of a human when I had issues. During one of my calls the woman stated that " a lot of people were having issues with their online payments ''. They didn't allow me to pay over the phone from what I remember. I was able to keep the account up to date for awhile but I fell behind. They reached out to me about payment plan options and I talked to a person who said I shouldn't do it because the money I give them doesn't apply to my balance and will only have them agree to put the past due to the back of the loan. I fell behind further and I have an email thread of an offer I finally agreed to. After making the payment of {$170.00} they gave me in their " option 2 '' arrangement ( XX/XX/XXXX - XXXX I believe ) they told me it didn't count because I didn't do it on the phone with them. I didn't understand this since we arranged it through email. I asked for clarification and they just said I'd have to pay {$290.00} to bring my account current. Money they knew I didn't have, I already had made a {$170.00} payment. XX/XX/XXXX I made another {$75.00} payment per another agreement and they said it didn't count. 2 days later I got an email saying I haven't paid in 3 months which is a lie. I wrote back that I have been lied to, harassed and I was done with their company. I don't like to not pay my debts but I'm super limited and doing the best I can. My husband was in a coma for 4 months due to covid in XXXX and we're still facing ramifications of that hospital/rehab stay and being out of work. Since XXXX, I've gotten at least 3 phone calls a day. They use at least 3 numbers. One says Conns, one says XXXX XXXX, and one is a number out of XXXX, XXXX. They also called my adult son saying he was a contact person for me but I don't remember putting ANY contact people. He told them to leave him alone but they've called at least 3 times this last week. The phone calls are non stop. I will pay when I can but this is adding to the stress. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed numerous times with chexsystems that the inquires listed are fraudulent and I didnt authorize them. They keep saying some are accurate but yet when I ask for documentation they just say my dispute is frivolous. There are 7 inquires from XXXXXXXX XXXX XXXXXXXX XXXX. I only had ONE account with them years ago. It only takes one inquiry to open an account not 7! The other ones need to be removed. Also there are several others listed but the names and address listed under the inquires are not mine nor have I lived at the addresses provided! I feel like they are not taking this serious and discriminating against 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 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : ONLINE INFORMATION SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries to be removed : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
In XX/XX/2023 I applied for an IDR, was approved, & received confirmation. However, rather than placing me in the IDR they instead put me in standard repayment without my knowledge or consent. When the new SAVE IDR became available, I applied for it through the .gov website. MOHELA rejected my application for SAVE IDR from the .gov website immediately, CLAIMING that they didn't receive any of the supporting information. They already had this on file from XXXX & there's no way it wasn't a system error on their end importing information from the .gov site. Meanwhile, their hold times to phone into MOHELA to gain clarification are so hideously long that I literally am forced to TAKE AN ENTIRE DAY OFF WORK in order to communicate with my " loan servicer ''. I have logged nearly 4 hours on the phone with MOHELA in the month of XXXX alone trying to get through to them and trying to find a resolution to this issue. The calls frequently drop or disconnect, their agents are rarely able to assist, and often create more problems than they solve due to incompetence! When I finally got through, they made me re-apply for the SAVE IDR. It has been a full month since, & in the meantime, they have placed me into FOREBEARANCE status. I am in PSLF & am concerned this FORBEARANCE status will have a very negative effect on me. I once again had to take a day off work to call MOHELA. I am still in FORBEARANCE & my SAVE IDR still hasn't been approved. Upon sitting on hold for many hours, I was finally informed of the error with being put into standard repayment despite having approved me for PAYE IDR in XXXX, & that if they removed FORBEARANCE while waiting for SAVE IDR application to process, I would be billed an insane amount. After speaking to the resolutions team, who offered a myriad of unhelpful and ill-informed resolutions without even taking the time to read the notes on my account, they entered an IDR application again, WITHOUT MY CONSENT, which I have no idea how will confound and prolong my situation. I repeat - your resolutions team representative filed an IDR application WITHOUT MY CONSENT. MOHELA 's incompetence and poor customer service can only be considered volitional at this point. They are ethically obligated to correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-11-03
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My servicer says on their website that I need to contact them to apply for the graduated extended payment plan that I would like to be on. I attempted to call them 3 weeks ago and was on hold for over an hour before I hung up. I emailed them and they sent an automated response that they would contact me back within 2 business days. It has been 2 weeks. I tried to schedule a callback on their website. Every single slot available is grayed out and unclickable. I have never faced a worse possible experience from a website or business and am complaining because I have no other resolution to contact my servicer and apply for the payment plan I would like to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ( XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-10-06
Company: Chime Financial Inc
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I closed my XXXX  XXXX  account 1 month ago, I get my monthly credit score report and its reporting I owe XXXX and some change. At first I thought it was error but then they told me its from XXXX and Im like okay. Well its no way of paying that balance. They only tell me since the account is close I keep open the account but Im not trying to open it Im just trying to pay the balance and they wont let me. And today they cursed me and told me to XXXX XXXX XXXX and go to XXXX. I have screenshots of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection with the involved creditors.

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 2023-11-04
Company: Self Financial Inc.
State: MS
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 These companies listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. SBNASELFLNDR account showing opened XXXX. This account shows closed however this account does not belong to me. XXXX XXXX XXXX showing opened XX/XX/ ( Account # : XXXX ) with late payments. I have never been affiliated with this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I called Mohela on XXXX to request options for a lower monthly payment. They informed me that there was nothing they could do for me, but gave me a phone number to call ( XXXX ) to apply for loan consolidation and lower my payment. 

I called the above number and spoke to XXXX XXXX XXXX. They told me that there was a way to consolidate my loans and have {$70000.00} of my debt " forgiven ''. They also said I was able to lower my monthly payment from {$1300.00} to just over {$300.00}. 

They had me sign some forms electronically while I was on the phone with them and also asked for my XXXX password so they could log in on my behalf. 

Afterwards, I found out this was a scam, and that Mohela gets a kickback for all the referrals they send to them ( it's all over the internet ). When having my solicitor read over the paperwork, XXXX XXXX XXXX slipped in that they charge {$3700.00} for this " consolidation '' service, which can be completed for free on the XXXX website. This fee was also never discussed during the phone call. 

In short, Mohela should never have referred me to XXXX. XXXX should be held responsible for not disclosing all of the terms of the contract, including the fee. Both of these companies are doing an incredible disservice to the millions of student loan borrowers who are desperate to pay back their loans in an affordable manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a credit card account with American Express. I got the blue Delta Skymiles one. With these points you could not only buy flights and hotels, you had access to the Delta Skymiles Marketplace. This is the reason i got this specific card. I wanted to redeem there. Since XXXX ive been trying to access this website but since then theres a note on the website stating that its under maintenance. On XXXX ( after a month ) i finally decide to call, thinking they had enough time if it was a bug. They share little to no information. Just said that maybe in a month or XXXX it should be back up again. I called back again in XXXX over 3 times and when somebody finally answered there was no new information. On XXXX i called again and there was a recorded message on the call saying that by late summer, it should be back up. I decided to be patient but as soon as XXXX was over i called again. By XXXX nobody had information still. I called again in XXXX and Nothing. Its XXXX now. I did some research and found out that the site has been down since XXXX last year. So it has been almos a full year since this website has been down. At this point, i dont care if i get the points worth in cash or what. But i dont want to loose the points and i have no interest in spending it in an overpriced delta flight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The following inquiries have violated my consumer rights to privacy and confidentiality under! 5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 I have repeatedly sent and called the all of the credit bureaus and requested that the inquiries removefor they my were not authorized by me nor did I give consent to any of these companies to pull my credit report, these following inquiries are violating my rights as a consumer. XXXX has refused to help even though they have had many inaccurate info on my reports. 

These inquiries has affected me immensely and i want these inquiries deleted immediatley!

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 2023-11-04
Company: MOHELA
State: MA
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 applied for the SAVE program. This was approved but the payment I was given seemed to be much higher than I expected when I did the math. It turns out MOHELA had used the wrong poverty tables, so I re-certified my income. An automated document returned closer to my anticipated payment amount, but it still had to be officially approved. In the meantime, I made the full payment at the higher rate.

Today I logged in and saw that I have been placed in an alternate payment plan ( not SAVE ), with an even higher payment amount than before!!! Additionally, my account is accruing interest which it should NOT be on the SAVE program. I have attempted on multiple occasions to speak with someone from the company without success.

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 2023-11-04
Company: AmeriCollect
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME AMERICOLLECT INC Account : XXXX AMERICOLLECT INC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX

Company response to consumer: Closed with explanation