BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Investigation took more than 30 days

Complaint:
Over the course of the 8 months of having a car loan through XXXX XXXX XXXX, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. 

Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. 

My score went down 55 points on XX/XX/XXXX because XXXX then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. 

The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. 

I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I disputed these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my credit reports from XXXX, XXXX and Equifax, I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! 
With that said, I refute their allegations and challenge them to provide proof that they have the right to report this incomplete negative information about me. Documents that they have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, they must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, the credit bureaus must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in their reports and I have invoked my rights to dispute/challenge these inaccurate and non-compliant items. If XXXX, Equifax and XXXX continue to report claims that are not perfect, it shows that they do not care about my rights as a consumer. I don't think it's fair for them to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I used to have a Citibank Sears XXXX ending in XXXX which was lost in XXXX  and police report was filed. I haven't used the card since XXXX  and I don't owe anything to the citibank, still Citibank is harassing me and constantly sending me harassing letters from the collections agency XXXX XXXX XXXX XXXX 

Police report is attached and CFPB can see the police report. 

Recently XXXX XXXX XXXXXXXX XXXX did file a money XXXX  against me in the amount of {$6000.00}, when I didn't use the card then why should I pay for this XXXX. Citibank has ruined my credit and because of the judgment I can not apply for any loans or credit cards. 

Citibank is using unfair and fraud means to collect money from people, I will advice everyone not to use Citibank XXXX and do not do any business with this company. 
This is a total unethical company and shouldn't be doing any kind of business in California or any other state of 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance XXXX {$940.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$1300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am in the process of purchasing a new home and applied for a pre-authorization letter through my local credit union. The next day beginning at XXXX I began being bombarded with calls from lenders offering their products. When I asked how they got my number they said they had received it from XXXX and Transunion. I have received 10 calls and 1 text in the last 3 hours!!!! 

In order for me to have a loan I have to have a credit report run and XXXX, XXXX and Transunion are the bureaus who can run this. It is INCREDIBLY unethical that institutions who have access to my personal information and who I have no choice but to use for credit reporting can turn around and sell my information for their own financial gain to other brokers. 

As the CFPB I would suspect that you would see this as a gross violation of CONSUMERS and you should therefore be PROTECTING us from these types of issues occurring. I hope you will take this matter seriously and put process in place to fulfil your civil role.

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 2023-01-09
Company: EQUIFAX, INC.
State: GA
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 15 USC 1681. 

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 : 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$670.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 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 2017-05-02
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor call to settle for {$14000.00} its been  7  yrs still paying {$150.00} a mth and the statements show i owe {$21.00} i call only talk to  XXXX  person he said it will show what my balance was before they buy contract..never get actual balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MI
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:
I am experiencing problems with lender XXXX XXXX # XXXX. This company has been reporting information on my consumers report that is in violation of my rights and has caused an substantial amount of damages to me and my business. I have contacted this company via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX {$3100.00} XX/XX/XXXX did nothing XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX  removed from credit Credence Resource Managment {$3100.00} XX/XX/XXXX reinserted into credit blew me off even though they acknowlage fraud XXXX in XXXX of XXXX a XXXX account was opend up in my name in XXXX Florida XXXX I also had several credit cards and my XXXX XXXX accout stolen as well. I can only guess this was a result of the XXXX data breach. In XXXX of XXXX I was moved to XXXX XXXX Texas. I learned of all this frauad pieces at a time as it came through, and all was delt with except XXXX XXXX. They have been nothing short of imposibile to work with. they do not have a fraud department I can contact and once its in collections they will do nothing to help. I have sent the credit bureas all the information including police reports, lease agreements pay stubs showing I was at work in Texas the day it was opened. XXXX XXXX XXXX XXXX help the debt it was removed XX/XX/XXXX report number XXXX now XXXX XXXX has sold the debt again to Credance resource managment on XX/XX/XXXX I was alerted to this and again I am having to dispute this. report number XXXX This is coming as I am trying to buy a house an could impact my ability to do so. I have proved left and right it was identity theft. this is becoming a case of harrasment to me please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: MOHELA
State: MI
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:
Copied : MOHELA, XXXX XXXX, Consolidation, and Administrative Forbearance XXXX XXXX XXXX Sun XX/XX/2023 XXXX PM Hello, In the last few months, I've been trying to get MOHELA to apply the XXXX plan to my account. I initially submitted a request on XXXX and was approved. I then consolidated my loans the next week and submitted the XXXX application alongside it. MOHELA marked the XXXX application as a duplicate form. I noticed this midway through XXXX and despite calling them was not able to get them to re-review the application. With interest resuming the next week, I was now on the level payment plan when I should have been paying {$0.00} with covered interest on the XXXX plan per forms I submitted to MOHELA months prior. At this point, I wasn't worried as the dept of education assured us that any applications for XXXX  submitted by the end of XXXX would be in effect by repayment. Unfortunately, this does not appear to be the case. 

Today I was informed by MOHELA that my account was placed on " Administrative Forbearance ''. This, to me, indicates that they are incapable of meeting this deadline. MOHELA 's failure is going to cost me both money in the accrued interest that would have been covered and months towards XXXX XXXX. I don't understand how it is acceptable for the servicers to not fulfill their end of the bargain. 

I have found others on social media that have had similar experiences with forbearance and IDR applications. It appears that it is less of a mistake and more of a policy to not process these forms. 

I would appreciate action to either enforce MOHELA 's contract or, barring that, for these months to count as if they were normal XXXX  months for interest and forgiveness tracking. I can be reached at this email or at ( XXXX ) XXXX. 

Best, XXXX XXXX : XXXX : Documents Received page XXXX : Approved XXXX  application dated XX/XX/2023 XXXX : Repayment Schedule and Disclosure dated XX/XX/2023 XXXX : Administrative Forbearance dated XX/XX/2023 ( received XX/XX/2023 ) XXXX : Application for XXXX dated XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2022 at XXXX, I sent a direct email to La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and informed them that I reported their fraudulent activity to the U.S. government for XXXX ( please see the attached email ). I closed and locked my Money Network Card card. On XX/XX/2022 at XXXX, I learned my Money Network card account was somehow unlocked and reopened to allowed a {$160000.00} refund from XXXX  XXXX XXXX XXXX ( please view the attached email ). On XX/XX/2022, I closed my Money NetworkXXXX Account XXXX XXXX the telephonic assistance of a Money Network Representative named XXXX. Money Network Representative XXXX informed me that the remaining balance on my Money Network account would be sent to my address in the form of one ( 1 ) check. I was already expecting a previous check from Money Network from my previous account closure on XX/XX/2022. On XX/XX/2022, Money Network allowed a withdrawal of {$31.00} from my closed Money Network account, which resulted in a {$31.00} negative balance ( please view the attached screenshot ). On XX/XX/2022 at XXXX, Money Network accepted another {$150.00} refund to my closed Money Network account ( please view the attached screenshot ). On XX/XX/2022, Money Network deducted {$31.00} from the {$150.00} dollar refund, as if I were paying towards the negative {$31.00} balance. To date, Money Network has not closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MrCooper LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX I called in on this file because we should have had an approval letter a month ago the buyers accepted MrCoopers counter offer and an addendum for the new purchase price and a matching HUD was sent on XX/XX/XXXX and XX/XX/XXXX. 

Nothing has been done on the file in the last month. They claim it has been approved but no one will send us the approval letter. **WE ARE HAVING THIS PROBLEM ON ALL OF OUR MRCOOPER FILES NONE OF THEM ARE BEING WORKED.

We have been told by multiple managers that they have shut down one of their facilities with no notice to rest of MrCooper employees. MrCooper is grossly understaffed and can not process their current file load. When questioned what was going to happen with properties currently in foreclosure, we were laughed at and told Too bad they're just going to have to go to auction because we don't have anyone to work the files. They thought it was funny that no one was going to work on the file and these were all going to go to foreclosure CC : CA State Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/XXXX and the XXXX, I had to dispute unauthorized inquiries that has been on my report for a while. I disputed with Experian asking them how can they furnish inquiries without doing their due-diligence, in addition to that I have a security alert on my consumer report. They just deleted unauthorized inquiries within the last 24-72 hours. That mean Experian admit to having unverified information on my report without doing their investigations. DELETIONS IS ADMISSIONS. They claim they honor the FCRA but the FCRA promotes accuracy.

They are in violation of 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I am entitled as a consumer to compensation pursuant to 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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