BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student Loan Servicer, Mohela, Improperly Recalculated My Payment and Changed My Payment Plan Mohela improperly changed the repayment plan and repayment amount of my student loans upon receiving them from XXXX XXXX. Mohela wrongly assumed that my recertification deadline was missed because Mohela does not have any information regarding my successful IDR recertifications since XXXX, Mohela confirmed that they do not have information regarding prior successful recertifications from XXXX XXXX after XXXX. It is unknown why and the extent to which Mohelas information regarding my loans is incomplete. 

I received a letter from Mohela in which Mohela incorrectly states that the monthly payment amount for my income based repayment plan changed because I did not renew my prior IDR plan. Mohela also incorrectly states that my repayment plan has changed because I did not renew my prior IDR plan. 

I have been on the Income Based Repayment plan continuously since XXXX and have never missed a recertification deadline. My last required certification was in XXXX. The Cares Act paused all recertifications after XXXX, XXXX XXXX. I was not required to recertify in XXXX as my recertification date was XX/XX/XXXX which fell after the enactment of the Cares Act. I recertified prior to the deadline in XXXX and received confirmation from XXXX on XX/XX/XXXX ( see attached photos of XXXX letter confirming recertification in XXXX ). 

The Department of Education explicitly states the earliest you are required to recertify is XX/XX/XXXX. You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. You may still see a recertification date that is earlier than XX/XX/XXXX on your account Aid Summary. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. 

https : XXXX # when-to-recertify ). 

I have not been required to recertify since XXXX and the earliest date I will be required to recertify given my last required recertification date of XX/XX/XXXX will be XXXX of XXXX given the language of the Cares Act If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ordered a XXXX account. When I attempted to install the box, the account could not be set up on the system. After numerous calls, I was forced to give up and returned the equipment. I never received a bill to this day. Last year I noticed a collection company had posted a notice on my credit bureaus. I was never contacted to confirm if the charge was valid. After numerous efforts including contacting your agency, the notice on my credit reports was removed. This affected me for many months. Now once again a new collection agency is posting a collection on my credit report ( agency name ERC opened XX/XX/2020 in the amount of {$490.00} ). Once again I was never contacted to confirm this was an actual valid debt. If you review my credit reports I pay all my bills perfectly and on time. I am being deliberately harassed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is now just a phishing scam through the mail. 

The first packet XXXX XXXX XXXX  sent me on XXXX XXXX said they have already garnished and taken my money AT A BANK I HAVE NEVER HAD ANY ACCOUNT WITH! 

I havent found anyone to help me in these three months. 

Now it is XXXX XXXX and they have sent me THE EXACT SAME PACKET WITH A DIFFERENT BANK ON IT THAT I HAVE ALSO NEVER HAD ANY ACCOUNT WITH!!!! 

WHO DO I HAVE TO CONTACT TO GET SOMEONE TO DO SOMETHING ABOUT THIS?????? 

I live off of {$1500.00} a month from social security XXXX. I CAN NOT AFFORD TO PAY SOMEONE TO HELP ME! 

I also cant go the the cops here because they are also ones who lied when they said they delivered ME a summons way back in 2016, I wasnt even LIVING IN THIS STATE, HOW DID A XXXX XXXX SHERIFF PERSONALLY HAND DELIVERED ME A SUMMONS IN XXXX XXXX WISCONSIN???? 

I HAVE NO IDEA WHAT THIS SUPPOSED DEBT EVEN IS. MY TOTAL REAL DEBT ISNT EVEN THIS MUCH!!!!! 

I shouldnt have to type out all the federal laws here for you to figure out what these people are doing is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been three months and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was contacted today at work. I was asked for a lot of confidential information that I did not want to give. I was informed that I was preapproved for a loan. When asked for my bank login, I said no. The representative told me I could login and she would just need to confirm at least 45 days worth of payment. I logged in and everything was fine. After the call, I received a fraud alert from XXXX  XXXX XXXX. I had to go into the branch to confirm my identity and was told that this company had thousands of XXXX  XXXX XXXX accounts tied to it and it was a fraudulent company. I have put fraud alerts on all of my credit reports as well as freezes. I have to close all of my bank accounts and start new because the company logged into my account and I do not know how without me providing any information. I also received an alert that the company has opened a new account and I am not sure how this was done.

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 2023-07-23
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is 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 explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be 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 2023-03-10
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made attempts to resolve this including providing my insurance information. I was insured at the time this medical bill was incurred. The other accounts that were placed in collections with another agency were removed because I was indeed insured at the time and they were covered services as is this. I have also tried to settle the account with the agency because they are reporting it on by credit report with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXXXXXX XXXXXXXX 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 section 604 A section 2 : Also states a consumer reporting agency can not furnish an 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 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 2021-03-03
Company: Williams & Fudge, Inc
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received repeated phone calls on a debt that I have already paid. I make the agreed upon monthly payments and have not missed a payment. However, I keep getting harassed to set up automatic payments. I have explained that I prefer to make the payments on my own and was told on multiple occasions that I would continue to receive phone calls until I set automatic payments up. They have also noted things that I have not greed upon. For example, the person I spoke with today said that I agreed to pay more money once I received my taxes. I have never stated such and explained that I am only going to make the minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act 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. I have already disputed these items with the bureaus but they did not remove them, nor prove validation.

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 response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XX/XX/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

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Commencing on or from XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX and XXXX XXXX ( the Scammers ), Fake XXXX XXXX XXXX XXXX XXXX ( the Scam Company ). Money was transferred from my account via bank wire and through an intermediary named in the total amount of XXXX USD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called the company to speak with their customer service department. It was at that time I requested the removal of inaccurate personal information. I was informed they were able to complete my request due to other reasons.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Fees charged incorrrctly

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 2023-01-20
Company: EQUIFAX, INC.
State: NC
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 has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX | XXXX XXXX original Creditor XXXX XXXX XXXX XXXX | Account name : XXXX XXXX XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX & XXXX XXXX Account number XXXX XXXX | Account name : XXXX XXXX   Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number XXXX XXXX | Account name : XXXX XXXX Account number : 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 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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was alerted by the credit monitoring service XXXX that a hard pull was done at TransUnion ; the name of the creditor doing the pull was not disclosed. I should also say that I have been getting a lot of mysterious calls from what appears to be scammers asking me for a bank account to deposit funds into, but that is another matter. 

In any case, I contacted first TransUnion customer service, and then executives of TransUnion : XXXX XXXX XXXX XXXX to get this removed, but these executives have refused to assist me after repeated attempts to contact them, only giving me a telephone number which is basically customer service ( and thus useless ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: CORELOGIC INC
State: WA
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 credit report : Please remove the following inquiry from my credit report immediately. 

CoreLogic requested my credit report on XX/XX/2022 without my consent.

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