BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: MOHELA
State: AZ
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:
During XXXX, I applied for Borrower Defense on some of my loans, on the application I specifically opted out of forbearance, as I want to keep paying my loans ( as I have done all throughout the Covid related pause ). 
On XX/XX/23 I got noticed I was moved to forbearance and after a XXXX hold with Mohela XXXX I was told it was due to borrowers defense, they apologized, and said my account would be updated. 
That following week, I was moved back into repayment. However, on XX/XX/23 I went back into my account and noticed I was moved back into forbearance, which I again never asked for. I called on XX/XX/23 and after XXXX hold was told I would be transferred.. after another XXXX, I had to disconnect. And this time when I called back, I received an automated message indicating they were too busy to take calls. 
I finally got through to Mohela again on XX/XX/23 and was advised they would submit my request to remove my forbearance ; that the request would take XXXX days. It has been over XXXX business days with no change on my account and now I have to sit on hold all over again. When I called XX/XX/23, the automated line indicated I have a XXXX wait time and can receive a call back. When I selected this option, it put me on hold anyways ; I can not sit on hold for over an hour, especially for a problem that should have never happened in the first place. 
So now I have to manually make payments, because my account is in forbearance and by not being able to have automatic payments, I am missing out on the 0.25 % interest rate decrease that I am warranted, because Mohela has me in a status I have very specifically opted out of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: NY
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:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX i was approved for a forbearance by Atlantic Bay mortgage once my forbearance period was up ( XX/XX/XXXX ) Atlantic Bay mortgage sent me a partial document for XXXX but when the paperwork went through I noticed the documentation Atlantic Bay mortgage sent me had my beginning balance of {$180000.00} and a ending balance of {$190000.00} so I contacted Atlantic Bay mortgage several times about the error no one cared to investigate my claims so Atlantic Bay mortgage sold my loan to XXXX XXXXXXXX XXXX on XX/XX/XXXX so once Atlantic Bay mortgage told me I had to speak with XXXX XXXXXXXX XXXX about the situation and did I started the back and forth all over again so out of XXXX of my phone calls to XXXX XXXXXXXX XXXX I managed to I person to do some research and she sent documentation of how my mortgage account should be but didn't add it to XXXX XXXX XXXX  system so it still has an error on my account and credit I would just like to have this error fixed i have any documentation needed to assist with this long process. Below I've sent what te account with the forbearance included should appear within the principal balance at the moment it's added on to the principal balance and that's an error. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
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 they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 2022-12-30
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical bill ( s ) for services in XXXX of 2021, which were likely to be covered by insurance. 

Instead, the bill ( s ) were immediately sent to collections without sending an invoice detailing the charge ( s ) to me. 

There are XXXX complaints about similar practices from XXXX, XXXX, which seem to imply an unethical business practice/pattern. 

When I was contacted by collections, I asked them to supply an invoice detailing the charges, but they refused and sent the information to the credit reporting agencies. 

I am still waiting for the original bill detailing the charges. 

The name of the collection agency is Fox Collection Center : XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX veteran, who was scammed by a care provider. In viewing my credit file, Credit Corp Solutions showed up. I do not have knowledge of any debt with Credit Corp solutions. Being scammed, and having my credit ruined was a fine thank you for a veteran who took three grenades for America. I trust Credit Corp Solutions, will do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on XXXX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.

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 explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$2000.00} Monthly Payment XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$17000.00} Monthly Payment - Past Due Amount {$15000.00} Highest Balance - Terms 66 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX. 
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Wholesale - non specific Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX CAP XXXX NA Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed a my XXXX  mastercard back in XXXX because my card was stolen. I have called the creditor and also sent letters. The card has always reported as closed and XXXX  balance. I disputed recently in XXXX with experian. Recently its now showing a balance of {$520.00}. The card has been closed for months how would a closed credit card carry a balance at all. I have never been able to use this card. The creditor Mr XXXX agreed to remove this from my report, I also have written letters directly to creditor. Experian was reporting two accounts from the same creditor one with XXXX balance and one with balance of {$520.00}. Also this is a closed account experience dropped my score 56 points and is including this balance in with my open credit card usage.

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 2023-07-14
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
On my consumer report, Comenity Capital/Smile Generation is listed as a charged off account. This is illegal and should not be on there at all. I did not receive a 1099-C form from them for this debt, as I should be able to claim this on my taxes as income. Income is not to be reported on a consumer report. So why are they reporting this inaccurate information? I disputed it with them AND the three major reporting agencies ( XXXX, XXXX, XXXX ) and they ALL failed to accurately verify, investigate AND report this alleged debt. Why are they still furnishing third party entities with my private and confidential information without my consent? They are purposely providing inaccurate information to third parties and as such should be exposed for their failure to uphold consumer rights as stipulated within the Fair Credit Reporting Act and Fair Debt Collection Practices Act. This alleged debt needs to be deleted from all of my consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion continues to report a bankruptcy on my credit report that does not belong to me. I have never filed bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is showing as delinquent when it shouldn't be showing as such. Please see attached. I have a letter from XXXX showing that this was an error on their end and this should be corrected. Letter attached. The tradeline reports no lates in 24 months so the 90 day late should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX/2023 however XXXX and Transunion states I was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.

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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The national credit bureaus have said : XXXX XXXX 's credit rating is poor. She is mother to 3 applying for a reduction in her mortgage by way of a loan modification. It's likely that her finance company will draw on her credit reports to determine her worthiness for a modification of the home loan. XXXX XXXX feels that she could lose her and her kids home if she does not qualify because for example of TRANSUNION, XXXX, and XXXX  reporting out-dated information as a paid in full XXXX XXXX XXXX account back in 2011.

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 2023-09-08
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 is missing that should be on the report

Complaint:
I filed for XXXX  XXXX bankruptcy XX/XX/XXXX. I entered a reaffirmation agreement with XXXX to keep my vehicle and continue making payments. This agreement was filed with the court on XX/XX/XXXX. After filing bankruptcy XXXX is no longer reporting my loan payments which is causing a negative effect on my credit report. My bankruptcy attorney reached out to XXXX in XX/XX/XXXX. They advised my attorney their policy is to no longer report payments once a bankruptcy has been filed even if a reaffirmation agreement had been entered. My XXXX XXXX trustee said she had never heard of this and to file disputes with the 3 credit reporting agencies. I sent dispute letters on XX/XX/XXXX to all 3 reporting agencies. I've been told the information can not be verified therefore, can not be added to my credit reports. Since purchasing this vehicle in XXXX all payments have been made. The vehicle was not included in my XXXX XXXX and I continued to make monthly payments. My case received a discharge. All I request is XXXX report my loan payments so I can receive proper credit and my credit report and score reflect this information.

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: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft, due to the identity theft there have been several accounts opened up using my information that I did not open nor did I authorized it to be opened up using my information.

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 2021-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called XXXX several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. XXXX continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve. 

There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct. 

I called CFPB and rep said I should file a complaint

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 2023-11-03
Company: MOHELA
State: CA
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 was under the Public Student Loan Forgiveness Program with FedLoan Servicing. They have lost their contract with the US dept of Ed. They no longer exist. I made a payment to them on XX/XX/23 for the amount of {$190.00}. I need them to return my payment as they no longer exist. I have to now send that payment to XXXX. The address it was paid to is FedLoan Servicing Payee address XXXX XXXX XXXX XXXX, GA XXXX Payment was made via my online pay banking services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation