BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
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: Investigation took more than 30 days

Complaint:
I have written this company trying to fix these issues several times XX/XX/2022, XX/XX/2022, XX/XX/2022, and again on XX/XX/2022 to wish my last letter has gone unanswered.There are several items that need to be removed from my report along with the reason clearly stated next to each individual item. They also did not remove all non account holding inquiries, and they did not remove all accounts that are not metro 2 compliant. This company even sends me correspondence with my name misspelled to which I have complained and nothing has been done about this issue either. My credit reports mailed from them state my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX. I last pulled my credit report on XX/XX/2022 via annual credit report since I had not heard from them and immediately sent them another letter detailing the issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, defamed my character and caused me great emotional and physical stress : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
For the other accounts : 12 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, 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 ordered my consumer report, and noticed many instances of erroneous/False information.I sent back a dispute and never received anything in response indicating there was a investigation being done. what the investigation turned up or anything. That is a violation of my rights ... ... this company has violated my rights ... .. I demand this false/erroneous information be removed from my consumer report immediately, it has harmed me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX DateUpdated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated:XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXBalance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-10-14
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:
XXXX XXXX # XXXX ( XXXX ) XXXX IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE OFF 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 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX was removed from XXXX XXXX and Experian keeps reporting this account to my credit profile.

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 2021-11-06
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I registered with my lender Homeloanserv with the special forbearance program in XX/XX/2021. In XX/XX/2021 the company reported my loan delinquent which I then contacted them and they reported to me by email that they would correct with the credit reporting agencies. I am required by them to do a monthly check-in which I do. They sent me another letter dated XX/XX/2021 stating they have been trying to contact me even though I called and spoke to one of their representatives on XX/XX/XXXX reported I still needed to continue my forbearance but they again reported my loan delinquent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: MOHELA
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/XXXXXXXX  I applied for Borrower Defense and opted out of forbearance. 
on XX/XX/XXXXXXXX  I messaged MohelaXXXX XXXX PM Body : Your Question : Good day I am part of the post class with the Sweet case. Does the forbearance automatically show after the Covid forbearance is over? Do you need a copy of my letter? 

MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Our records do not yet reflect a receipt of a forbearance being applied after the Covid-19 forbearance ends. If you would like to request a forbearance, please respond to this email with the request. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX, Thursday and Friday XXXX XXXX to XXXX XXXX. CT. 

Thank you, MOHELA XX/XX/XXXX XXXX XXXX  Body : Your Question : I would like to keep making payments on my loans even while my loans are being reviewed for Borrower Defense, so I do NOT want forbearance applied after the Covid pause. Thank you. 

MOHELA 's Response : Thank you for contacting MOHELA, We have submitted a request to opt out of the borrower defense to repayment forbearance. Please allow 2-3 business days to process. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX. CT. 

I called on Wednesday and spoke with someone because my account was still showing forbearance. She told me it would take a few business days, but I will be out of forbearance. 

Today I received : A forbearance has been placed to postpone payment on some or all of your loans. Forbearances can be a helpful short-term solution, but they can have negative impacts on your account. Carefully read this letter and the Loan Declaration regarding the status of the forbearance ( s ). 
If you are participating in an income-driven repayment ( IDR ) plan, you may not be benefitting from the interest subsidy and qualifying payments toward loan forgiveness that you may be entitled to under the IDR plan. You may decline or request to end the forbearance by calling us at XXXX. 

I messaged them again for waiting on hold for over 20 minutes is frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told by hunter warfield that I have a debt owed from XXXX XXXX XXXX I attempted to discharge the debt which is my right under HJR 192 73-10. I informed them to cease and desist under those grounds. Also under 18 USC 8 all debts public and private are the obligation of the UNITED STATES. They are in violation of FDCP Act 807 ( 2 ) ,807 ( 11 ) 809, and 812. And by not allowing me to discharge my debt under HJR192 73-10 they are violating my civil rights under the 14th amendment 42 USC 1983 42 USC 242 , 245. My rights are being violated and im being forced into involuntary servitude for financial gain .They willfully deprive me of my rights and privileges, they have used coercesion to pull me away from financial freedom. Also use of extortion to have me pay a debt a have provided remedy for. They are operating as a criminal enterprise of organized crime with 2 or more members executing these acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an American Express Platinum card in XX/XX/XXXX with card opening bonus of XXXX Membership Rewards after spending {$5000.00} in purchases in the first 6 months. The first 6 months period ended on XX/XX/XXXX. I checked at least 3 times with customer service through phone calls after this period ended and spoke with a manager one time -- they all confirmed that I had met the spending requirements to earn the card opening bonus and stated that they made notes on my account about this matter. They all stated that the automated calculation of my spending during the first 6 months are incorrect, and their manual calculation yielded more than {$6000.00} of spending during the same timeframe of the first 6 months. However, until today XX/XX/XXXX, I still don't see my card opening bonus of XXXX Membership Rewards get posted to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my consumer report one morning and notice a collections was on my report. I never been notified of the account so I reached out to them via mail with a validation letter of the debt they say I owe on XX/XX/21 certified with a return receipt. The company received the mail XX/XX/21. I received a response from Genesis FS card services XX/XX/21 stating they are unable to locate an account with the information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
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 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. 
See the documents attached.

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 2021-06-20
Company: Experian Information Solutions Inc.
State: WI
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: Problem with personal statement of dispute

Complaint:
I was told on XX/XX/XXXX that my XXXX student loans would be removed from their reports 7 years after they had been completed. those loans were discharged on XX/XX/XXXX. Now over the 7 years quoted the loans are still on his credit reports. it is nowXX/XX/XXXXthe loans still remain I want them removed.

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 2023-09-15
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-03-27
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions 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:
Experian in the last 2 days have notified me that they are currently still working on the issue that they NOW have stolen 18 months of on time never late payments to XXXX and refuse to give them back and in the past 2 days the have closed 7 complaints that are EXACTLY the same as the ones they are still working on EXPERIAN IS DELIBERATELY KEEPING FROM MY SCORE THE CORRECT INFORMATION WRONG TO PUSH LOANS AND CREDIT CARDS

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 2023-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For background : I recently experienced fraud on this account ( my phone was stolen, which contained this card in XXXX XXXX ), and BofA followed typical procedure and cancelled the old card and sent me a new one. For the past several weeks, when I attempt to go online to schedule a payment, I get an error messaging stating that I need to call customer service. After waiting a very long time on hold on the first call, an agent scheduled my payment but said that they were not sure why this was happening to me. They committed to getting back to me within 2-3 days. Two weeks later, I had not received a response, so I attempted to use the online feature again, and it still was not working. When I called, the second agent that I spoke to ( despite calling the exact XXXX # that the website indicated I should call ) tried to convince me that bill pay was XXXX because I had missed a payment ( how is that an acceptable solution? ). I informed her that I had not missed a payment, to which she insisted that I was wrong without providing any details. I then read the past two statements to her ( statement date, previous balance, amount due, due date, evidence of payments, confirmation numbers, etc ) and explained to her that what she was saying wasn't possible because the statement date for the charge in question was AFTER the date that she said the payment was due - said another way, I did not owe any money on the date she mentioned, and the charge that she was claiming was overdue is not due until XXXX XXXX, for which I have a scheduled payment and was able to provide a confirmation number. She did admit that she was incorrect, which is just unbelievable for a bank this large and systemically important, but then still could not solve my bill pay issue. At this point, it feels like Bank of American is trying to make paying bills difficult so that they can generate late fees. I'm happy to be wrong, but the evidence is not convincing that there are other motivations.

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