BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: MOHELA
State: DC
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:
I am a third year XXXX  resident with XXXX K in debt and make less than federal minimum wage for the hours I work which is XXXX hours a week. I am being penalized despite 8 weeks ago reaching out to my loan servicer to know what to do. Essentially I was under XXXX, my estimated payment was {$220.00} for month. I couldnt afford it so I called the rep what to do. She said to consolidate my loans and re certify with my 2022 W2. Thats what I did. 

Flash forward a month and Im on XXXX refreshing to see if with recert my payment is XXXX. Wait a minute all loans are gone now? Looks like someone made a payment. Called my parents so confused to see if they had XXXX laying around randomly paid. Mom said looks like loans got transferred. I was never notified and would have never known unless I checked XXXX. I call them they said my money is at XXXX. This is after being on hold for 3 hours twice a day. The apologized for misleading me, and giving wrong info but they can no longer help as they money is not with them. I call XXXX who says XXXX is my loan servicer. Then im on hold with XXXX for hours, also saying the money is not with them. The narrative switches after hours on hold that my new provider is Mohela. That they processed a direct consolidation loan and bc I didnt respond in 10 days ( NEVER RECIEVED A NOTICE OR WHAT TO DO!! ) theyre consolidated and unsure what the interest rate or monthly payment will be. So XXXX bc thats not what I wanted to do! XXXX led me astray. 

Now I call mohela, they see that they are my servicer but dont have my info or money. My money is now in transit so where with no one so no one can process my app or give me a quote. Mohela said in this time period nothing to pay. I am so stressed out bc I took the time to try to figure this out 8 weeks before now they have completely XXXX XXXX and my life because of the misinformation. I worked too hard for this to affect my lifeZ I am afraid something will go wrong. I am so stressed and unsure what to do here. How is this ethical or legal? Any advice will be appreciated. Im afraid and unsure if my SAVE application will transfer over. Seems like XXXX cancelled it and just consolidated it with est payment of over 1grand which is what Im afraid will carry over. If anyone has been in this position please reach out at 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 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2022-02-25
Company: SYNCHRONY FINANCIAL
State: GA
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:
My name is XXXX XXXX XXXX. I own a XXXX Bank credit card. My problem today is that I have successfully paid off my credit card on XXXX separate occasions. On both occasions, the payments were cleared and posted successfully. I know this because both times I was allowed to continue using my credit card to make purchases and my balance was {$0.00} at the time of those purchases. This is important to know because my credit card limit is {$3000.00}. Both of my payments exceeded this amount. I called their customer service number and was told multiple times that my balance was zeroed out and that I wasn't carrying a balance. A few days after paying off my balance, my credit score took a dive, and when I logged in to check my balance. It had been reversed for the second time! I have receipts showing that both of my payments were successfully posted. 
SYNCHRONY BANK is not operating with integrity. If I pay off a balance then, that should be the end of the transaction. No bank should be able to reverse a payment that has been successfully posted. 

XXXX XXXX- A transaction that has been fully processed and completed. 

If my payments were POSTED successfully both times, then why were they reversed? 


Please closely review my attached documents. I will be including evidence as well as a letter with federal codes that SYNCHRONY BANK HAS VIOLATED. 

My GAP/SYNCHRONY BANK credit card balance is currently {$3500.00} as of XX/XX/2022. 

The dates of my successfully posted payments were : XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We have an escrow account set up to property taxes and insurance and Selene Finance has failed to pay our insurance and our policy has lapsed. For loan number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

They were provided with all necessary insurance documents and information to pay the policies and have failed to due so.

There are two buildings and two different policies. One was paid and they will not pay the other one.

They hang up on you when you call, give you the run around and transfer you to new departments with no answers. We have sent formal request to which they have never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
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 confidentially under 15 usc 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 usc 1681 section 602 a state i have the right to privacy.

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 usc 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 explanation
Consumer complaint received 2023-10-13
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-07-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX MORTGAGE XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: Experian Information Solutions 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:
EXPERIAN REFUSES TO REMOVE A BANKRUPTCY OFF MY CREDIT REPORT OR GIVE ME THE PROOF OF WHO FURNISHED THEM WITH INFORMATION.EXPERIAN SAID THEY GOT IT FROM THE COURT HOUSE, WHEN I GOT A LETTER FROM THE COURT HOUSE SAYING THIS IS FALSE, THEY THEY INSISTED THEY GOT THIS INFORMATION FROM XXXX XXXX. I HAVE SINCE GOTTEN MY COMSUMER CREDIT REPORT FROM XXXX XXXX AND NO SUCH PUBLIC RECORD EXSIST ON MY CREDIT REPORT. I DEMAND THAT THIS BE REMOVED SINCE THEY HAVE NO VALID PROOF THIS IS IN FACT MY BANKRUPTCY. XXXX  AND XXXX  HAVE DELETED THIS BANKRUPTCY BECAUSE THEY WERE UNABLE TO VERIFY 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 non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: MI
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:
accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection : XXXX XXXX XXXX, XXXX, Is completely fraudulent. The date of first delinquency is crazy! I researched that contacted the company XXXX XXXX  XXXX XXXX XXXXXXXX and found that the company does not even have a record of me at that address. This company is either purchasing fraudulent debt or fabricating debt to target peoples credit files to extort them of money. This company tried this a few years ago and it was deleted. Now from all of a sudden you Equifax are the only credit company that is again adding this XXXX  to my credit report. 

I purchased a house in XXXX XXXX ( XXXX XXXX ) in the middle of that year. I never stayed in an apartment and arrived in XXXX area in XXXX to search for a house, not XXXX! We stayed in a hotel! 

Please see the attached home purchase contract. This is very wrong and abusive what Equifax has done here. This is not accurate, fair, nor correct. You all have damaged my life and health in a very real way and you are putting me and my baby at risk of being homeless and you have prevented me from getting the funds I need to treat my life threatening illness! 

FCRA and FDCPA says that a credit collection company can not collect in a state that it does not operate in. XXXX XXXX is not in Texas! Its a violation and this must be deleted! 

XXXX XXXXXXXX must stop purchasing fraudulent debt and bullying people they have the most complaints against them in the industry because they are horrible predators. 

I ask you Equifax to provide details steps and explanation about how you verified this account? You have been asked before and could not, because you are not doing investigation you just allow this monster of a company to prey on consumers. 

If this account is not deleted both Equifax and XXXX XXXX will be sued for violations and I will seek damages. 

See my birth certificate and my signature sample. You all will be held accountable for the suffering me and my child have endured! Comply with the law and remove this inaccurate fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is calling me from XXXX saying that they have a Mediation against me with Wells Fargo for a credit card that I had with them and that I owe them over XXXX dollars. I have never had a credit card with Wells Fargo and I told this company this and they said they were going to be taking to me court to pay this amount. They had my maiden name and not my married name and this account was from XXXX. This is XXXX so obviously this is a false account. I asked that they not call me anymore but within a few minutes I received another phone call from this company. I would like for this to stop.

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 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi on XX/XX/2021 I was approved for a Walmart Capital One Credit card to be used only at Walmart. After applying for the credit in the terms it stated that I could immediately use my card. I tried to make a purchase of {$88.00} on XX/XX/2021 and XX/XX/2021 Both orders Were Canceled immediately. Due to the Verification System Process. I called to ask what the Problem was in order to make purchases and Was told that their System automatically does this. That my available Credit was Placed on Hold and that I had to wait 1 to 5 Business days for the credit to become available. Although my transactions were canceled from their end online. I called back to express my frustration and Experience as a New Cardmember and Consumer. And Stated that It should not be so difficult to make a New purchase and that No holds should be placed on transactions that were automatically canceled after I Placed an order. A representative issued me two {$10.00} promotions to use for future orders. Yet my problem still isnt resolved. I called capital One to check my balance and availability of credit and its stating Zero when only One transaction went through for the amount of {$110.00} My other credit is Still on hold and Im unable to use what I need for a gift and my household. I also called to put in a dispute because the information on the automated System of Capital one is inaccurate. Its stating that my credit limit was used and its Not. Only one Transaction took place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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 was trying to buy a house and I realize i have damage report on my credit according to the 15 U.S.C 1681 that it should be no damage to my report. 
is a defamation to my character. please remove all fraudulent accounts immediate.

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 2023-04-05
Company: EQUIFAX, INC.
State: WA
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2021, I sent my first letter to the credit bureaus in regards to an account that is inaccurately reporting on my credit report ( XXXX XXXX ). XXXX XXXX is reporting my date of last active and date of last payment inaccurate. I have sent a letter asking them to verify, validate, and investigate this account. I have yet to receive a response after several attempts. I have been patients but they have had more than enough time to properly investigate my requests. This is a violation.

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 2023-10-13
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 value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.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 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 explanation