BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/LEADBANK : # 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 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 2023-08-10
Company: EQUIFAX, INC.
State: CT
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 was shocked when I saw this negative items on my report. Information 's given by the Bureaus are very inaccurate across them specially the reported dates. The account status on XXXX XXXX XXXX was Paid on XXXX while Open on Equifax, missing report on XXXX. The XXXX XXXX account was reported derogatory on XXXX only. This reports are misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section XXXX ( XXXX  ) ( XXXX ) ( XXXX  ) and XXXX ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: MOHELA
State: TX
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:
My XXXX loans with Mohela under the XXXX program were on the XXXX plan as $ XXXX and in XX/XX/XXXX of those loans were changed to the XXXX plan without my knowledge. I called Mohela and the representative said they didn't know why that XXXX loan was changed to the XXXX plan because I hadn't requested it and there was nothing I could do and that it would still count towards my XXXX. They also notified me that the other XXXX loans were moved to the XXXX program and stayed at the $ XXXX, so it was very odd that just XXXX loan was moved to XXXX 

In XXXX and XXXX I was charged {$54.00} for that XXXX plan that was changed to XXXXXXXX, but then I came across a XXXX support group where others experienced the same problem and were able to get their loan changed to the XXXX plan. So I called Mohela in XXXX XXXX and spoke with another representative who said that the LEVEL plan did not qualify for XXXX and that they could put in a ticket to investigate what happened. They also placed me on forbearance so that I wouldn't get charged the {$54.00} in XXXX and the representative said that during forbearance my loans would still count towards the XXXX forgiveness. 

XX/XX/XXXX, I called Mohela again for a status update and now I have a whole other set of problems. They did change that XXXX loan from XXXXXXXX to XXXX, but instead of going back to the $ XXXX where it was before, now it's $ XXXX that I owe for that XXXX loan. The representative said they aren't sure why it wouldn't go back to the {$0.00} since I have not submitted my IDR recertification application yet. And they confirmed that since I was in forbearance for XXXX months those wouldn't count towards XXXX. And they are working to reimburse me the XXXX charges of {$54.00}, and that it shouldn't affect my XXXX count those months. At this point, I don't feel confident in their ability to really make this right before I actually submit my XXXX recertification in 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 2023-12-23
Company: MOHELA
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 have PSLF and TEPSLF. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and Mohela only applied 2 months. Mohela didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted Mohela and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-08-10
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2021-07-19
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a number of private student loans with Firstmark Services. I am trying to refinance my loans to lower my monthly payment. I've called Firstmark Services serval times ( XX/XX/XXXX, twice onXX/XX/XXXX, and several times in the prior weeks ). When I contacted them about lowering the payments, they informed me that they only service the loans. They are not the lender and can not change the terms of the loan. The original lender was XXXX. I received a letter from XXXX on XX/XX/XXXX informing me that they had transferred the servicing of my loans to Firstmark Services. ( By the way, Firstmark Services says they can not do any modifications only forbearance. ) When I asked Firstmark Serrvices for information on the lender, the name I was given was XXXX XXXX XXXX XXXX XXXX ( XXXX  ). When I asked for contact information for XXXX, I was told that since XXXX had sold the loan to XXXX  in early XXXX, they did not have the contact information for me. I tried looking online myself and also could not find a phone number. This is completely unacceptable! I am paying monthly on loans and can not get the contact information for the lender. 

I am concerned that these banks and servicers are intentionally making it difficult for consumers. ( On a related note, I was told by Firstmark Services that I should seek to refinance my loans through a 3rd party lender. I tried that option but was unable to do so because I have a high debt-to-income ratio ( even though I have a high credit score and never miss payments ) It is precisely because I pay so much in student loans monthly that I need to reduce my monthly loan payments. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have contacted the furnisher and they agreed to REPAIR the account and remove the late dates from it. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : 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 2019-06-26
Company: Factor Trust
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This company says, '' it's the alternative credit bureau ''. Upon their solicitation, I sent them a letter asking them to remove my name and adrress from their services/data-base. I told them I wanted to opt-out, and that I had already opted out for services, and pre-screen offers from the 3 '' major '' credit bureaus. They responded, and told me to send it in witing, I did. Now they say they need the last four digits of my social, my name, and address, ( which was on the letter, and envelope I had already sent them ). When I called to tell them just that, they said they needed my last four of social, which I don't fell they need, because I don't know them, and have never did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently opened a business savings account and checking account with Chase Bank during the month of XX/XX/. All the requested paperwork was provided, and the business accounts were opened. It was then suggested that I apply for a Chase Business credit card, and I applied. Again, all necessary documents were provided, and they ran my credit, which happens to be around XXXX. Chase then mailed me a letter about possible identity theft and that I needed to call them and verify some information. I did that. I called them for an update and was basically told that the application was closed and that I should re-apply. I asked why and was given no answer. Why would I need to re-apply and have them run my credit AGAIN. This was done and I was told that I was verified. My reference number that Chase provided to me is XXXX. I could understand if they made a business choice to not lend to me but explain that. I happened to be in the top 10 % of credit worthy people and pride myself on having and maintaining excellent credit. To just say, apply again is not right or fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: MS
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:
XXXX accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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:
I have sent in XXXX disputes to remove this inaccurate information off my credit report. Every time I send a dispute to Equifax I receive no response and they refuse to investigate. This account with XXXX XXXX XXXX Account Number : XXXX is not an accurate account. I have had the same XXXX account for years and have never changed accounts. The previous collection company this account was sold to was removed off my credit report for being inaccurate and then this account was sold to XXXX Account XXXX. This issue has caused me a great deal of XXXX  and XXXX  because its stopping me from purchasing my first home and get what I need in order to provide for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello Im contacting you today to ask for help with a issue with my credit card company. I received a letter from Synchrony Bank in regards to my credit account for JcPenney which I have had since XX/XX/XXXX when I opened the account in store. They gave me a XXXX credit limit which I have made my payments each month. We are now 6 months later they are claiming due to a recent review of my account they reduced my credit limit from XXXX to XXXX I currently owe XXXX which made it look like my card was almost maxed out when in fact it wasnt my next payment due is XX/XX/XXXX I just made an extra payment to lower my balance by XXXX then I received this letter yesterday XX/XX/XXXX it was dated for XX/XX/XXXX there is nothing going on with my account for this review. They lowered my limit stating based off a internal creditworthiness scoring system my 1 ) Lack of Real Estate Secured Loan information. 2 ) Balances on accounts compared to credit limits and loan accounts, 3 ) Not enough balance paid down over time on student loans, 4 ) Too many inquiries. The score they reflected of XXXX which is not my current score as of XXXX XXXX or today on any credit reporting agency my score is actually higher and all my credit card balance have been reduced, including my student loan amounts. When I spoke to the manager XXXX at XXXX she informed me the score was not ran through any of the 3 Credit agencies it was done in house. My score was not determined from a credit agency and the information is inaccurate so why was my limit reduced? I need to find out if they broke the law and violated my consumer rights. When I initially called they representative would not allow me to speak to a manager after several requests she put me on hold for over XXXX minutes then a manager comes on the line.

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 2023-08-10
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: KY
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:
ow do I write a hard inquiry removal letter? 
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, Experian XXXX XXXXXXXX credit report. My latest credit report shows 13 credit inquiry/inquiries that I did not authorize.

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 2023-08-10
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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I applied for a line of credit online I got accepted by credit acceptance I was referred to XXXX XXXX XXXX XXXX XXXX XXXX picked me out a XXXX XXXX XXXX I put {$2000.00} down and drove the XXXX XXXX  for 3 months before it started breaking down the vehicle lasted a total of 6 months for me to find out it had engine failure the vehicle came with a warranty I was given the runaround for repairs the vehicle set at XXXX XXXX for 14 months unrepared and then was sold for {$700.00} not fixed XXXX XXXX is asking me for {$1600.00} for tearing the vehicle apart credit acceptance is standing I owe them XXXX and it's not telling the truth and never fixed the vehicle I filed a complaint with the Ohio attorney general they sold me a lemon I would like for them to be removed from my credit report the vehicle was not reliable and they didn't try to fix the situation. My warranty was never honored now I'm trying to obtain reliable transportation but this {$14000.00} is holding up my credit report I do not owe them that the vehicle was not worth that in a way I was treated was not fair.

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 2023-08-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax Credit Bureau, has a lot of incorrect address information listed on my report, including multiple incorrect addresses, which lists address information for when A. ) I was in a XXXX XXXX XXXX in XXXX, TN. ( Standifer Gap address ) B. ) Addresses I lived at temporarily before being sentenced to adult XXXX  XXXX XXXX Equifax also has an incorrect spelling of my name, my name does not include an " XXXX '' in it. 
I've contacted Equifax once and attempted to repair the information to no avail. 
I wish to mention that, I am not aware of any statute in which a XXXX, or a XXXX XXXX XXXX  is granted any credit reporting or any form of line of credit.

Company response to consumer: Closed with non-monetary relief