BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: MOHELA
State: IL
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 made a request for refund of payments made during the pandemic due to personal financial need. The request was made on XX/XX/26. I was originally told I've have a refund 30-60 from when I made the request. 

The complicating factor is that I'm requesting refunds for payments made to a previous servicer. Of which have all payment records for. 

I've called recently a few times asking for an update and have received contradictory and/or misleading information. They say I need to wait another 90 days. And it's not clear to me what the hold up is - one rep mentioned the XXXX XXXX XXXX on a different call they said it was the department of treasury, on another call they mentioned it was delayed due to needing to get information from the previous servicer, and another rep said it's sitting in the mohela account department. 

I've attempted to resolve this ( mainly just need realistic expectations for when the refund will be issued -- also CARES act probably didn't expect student servicers 3 months to process a simple request ) wait times to speak to a representative are 1+ hours. When asking to speak with a supervisor or anyone else who might know more information I've been sent to their end of call survey ( this happened 2x times )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
SXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear CFPB, I submitted an Identity Theft Report to the all XXXX Credit Bureau on or around XX/XX/2021 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( XXXX ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information, XXXX XXXX XXXX XXXX in the amount of { {$11000.00} }. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. DISCOVER FIN SVCS violated my Federally Protected consumer rights and also committed identity theft and XXXX other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a ). Prior to sending the certified mail with the affidavit of truth I was receiving multiple calls at inconvenience times and without my authorization, and letters with the attempt to collect a debt. I filed a complaint with the Office of the Comptroller of the Currency ( OCC ) OMB Control No. XXXX in which it is attached. I demand this account to be deleted on my credit report, deletion from all consumer reporting agencies ( XXXX, XXXX, Transunion ) pursuant to USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. I am demanding that you remove the transaction from my report immediately as they are a violation of my rights as a federally Protected consumer under title XXXX chapter XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: IL
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation.The following items are lsited below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello You people helped me the last ... dealing with Wells Fargo ... where they added taxes to my mortgage ... the first payment to them was {$860.00} from XXXX XXXX ... so these people tacked on another {$50.00} on to my mortgage ... for four months ... paying a mortgage payment to these people ... where they said it was taxes ... I'm a XXXX ... XXXX XXXX XXXX.. 
These people when I complained about my payment ... oh XXXX XXXX there was an over payment of my escrow ... which they are lying ... had I said nothing, they would have kept the money ... Mr. XXXX ... this is your lucky day ... you have money coming to you ... they sent me a check ... .and paperwork ... but as I said ... show me what you did with my money for {$50.00}? for four months..taxes.. I went to that website..still have me at XXXX ..they cook the books to make it look good and where is the government? don't steal from me ... 
take it from the rich ... 
You want the paperwork that they sent me? They still don't have it right ... this started from XX/XX/XXXX to the present.. 
They owe me for four months..and I went to see if they changed my mortgage payment ... and they haven't ... 
So what do I do? Not pay them, where they will be foreclosing on my house?

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, as in all other times, TransUnion has once again, blocked me from obtaining access to the information that they have on me. I continue to get my attempts denied. I have changed my passwords over and over and over again, and TransUnion continues to change my password, or deactivate it. When presenting me with a number to call, that number always leads to a person with a language barrier to English only to result in that person placing me on hold only to hang up. When a person honestly gets your explaining narrative wrong, and you have to respectfully repeat yourself, that is counterproductive. As a result of this, TransUnion blocks me from obtaining a free annual report, and accessing the information so that I can submit disputes. I am attempting to file a dispute against XXXX XXXX for fraud, and I can not do that unless TransUnion allows me unfettered access to the 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 2021-03-19
Company: Nelnet, 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:
There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XX/XX/2020 and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : ACCOUNT MANAGEMENT SER Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-07-16
Company: OneMain Finance Corporation
State: SC
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:
OneMain have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; OneMain is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Monterey Financial Services LLC
State: MA
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:
XXXX and other credit agencies did not delete a debt reported by Monterey Collections of appx {$2000.00} in XXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. I personally paid almost {$50000.00} to XXXX but in XXXX  legally transferred my interest which had been sold to XXXX, but which ceased to have any value whatsoever. 

Every effort of XXXX to XXXX was disputed as was every attempt at collection by Monterey. Neither entity submitted proof that the debt was valid. I also contested with XXXX, and they only verified that the debt was valid. They did so only by reviewing information from Monterey as XXXX no longer exists. The owner of XXXX is apparently in XXXX for XXXX and it is my belief that Monterey is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion shows that I have XXXX accounts with a delinquent status, but at most I have XXXX accounts that are delinquent. I suspect that XXXX XXXX is incorrectly reporting a closed student loan account as currently being 60 days delinquent, but TransUnion will not assist me in resolving the error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally dispute an inaccurate entry on my credit report, specifically concerning a debt allegedly owed to CCs Collections. The reported balance of {$84.00} in XX/XX/2023 is incorrect, as this debt was resolved with the original creditor, Progressive. 

I had a credit collections account with Progressive for the amount of {$84.00}. Upon renewing my insurance with Progressive, this outstanding balance was paid in full as part of my next insurance plan. The payment to Progressive, clearing the balance, was completed in XX/XX/2023, well before the reported date of the outstanding balance with CCs Collections. 

I have not engaged in any correspondence or made any payments to CCs Collections. When I discovered the erroneous entry on my credit report, I immediately contacted Progressive, and they confirmed that there was no remaining balance on my account and no record of third-party collections.

Despite my efforts to rectify the situation with Progressive, the incorrect information still appears on my credit report. I have followed the recommended steps and disputed the collection entry directly with CCs Collections, given that Progressive has no record of the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: IL
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 recently viewed my credit report and noticed several fraudulent and unknow companies reporting inaccurate and fraudulent information on my credit report. I filed a FTC report and notified my local authorities of the issue. I submitted the FTC report to Experian and XXXX  on XXXX XXXX, XXXX to prove thatXX/XX/XXXX, along with XXXX XXXX somehow obtained my information fraudulently from a consumer who has compromised my identity and destroyed my credit integrity on XXXX XXXX XXXX  Less than 30 days later I received an alert saying the accounts were updated with the same information reported from the prior month. I submitted another dispute with the FTC report and including my Driver 's License a current mailing with my true and accurate identity again with both Bureaus and the Companies updated the information again with a late fee added of {$54.00}. I am very disappointed in both Experian and XXXX  in their performance in upholding the consumer laws. I have validated my true identity in each mailing and online dispute with both Bureaus. I want my CREDIT integrity restored and all fraudulent activity in my report that's not mine to 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 2023-07-17
Company: National Credit Systems,Inc.
State: SC
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:
National Credit System have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; National Credit System is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a double payment taken out of my checking account after I went into Bank of America 's website and changed my payment schedule to skip a couple of months as it seemed like I was 4-5 months ahead on my payments. Instead of skipping a payment they double charged me. They charged me on XX/XX/23 for {$1000.00} and again on XX/XX/23 for {$1000.00}. After I called and was told that they would credit the {$2000.00} amount ( Confirmation # XXXX ) they never credited my account and my XXXX statement doesn't show the two charges. So I called customer service again, and this time I was told that they have to mail me a check, and that typically takes at least 14 days. Well, it's been over that and I still don't have that to replenish my account the double payment they took out!

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 monetary relief