BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: MOHELA
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
With student loans restarting, I was supposed to receive an update on when my loans would be restarting, with at least XXXX weeks notice per MOHELA. I received noticed on XX/XX/23 for repayments that were due XX/XX/23, which is not a three weeks notice. Furthermore, the email I received was backdated to XX/XX/23 to make the three week threshold. I dont think billing statements are allowed to be backdated and it should not have taken over a week to send a simple email. I had no idea at what point in XXXX my payment would be due and barely XXXX weeks notice is not enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: GA
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 dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-03-10
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for and rcvd The Emergency COVID forbearance due to financial difficulty 's resulting from my tenants hardship due to COVID since XXXX XXXX.Wells Fargo sent all COVID exempt customers ( such as myself ) an agreement that during the COVID forbearance period ( mandated by law ) they would not report non payment to any of the 3 agencies. They DID report it and in fact reported every month as a default and negative credit report. The COVID forebearance laws are public knowledge through out USA ; therefore they have violated their contract w me.

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 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did a dispute back in XXXX it is now XXXX. I did not get my credit for this dispute because they said what type of dispute it was, Then I have contacted the merchant and they said they processed my refund on XXXX XXXX I have contacted the bank several times on this and no one has gave me back my money I am very upset about this

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
Consumer complaint received 2021-10-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX credit card reported on my credit report that I was negative in XXXX of XXXX. Which I did pay in full that month. Reported it to credit report many times with proof but nothing is being resolved.

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 2022-08-12
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-03-10
Company: EQUIFAX, INC.
State: WA
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:
XXXX  XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX  that I am ( XXXX ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX  XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX  XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the information and dates relating to a XXXX collections account on my report from XXXX XXXX XXXX and despite showing them previous credit reports that XXXX illegally re-aged my account, they verified it as accurate. My current credit report shows that a XXXX collections was opened on XXXX XXXX, however, I have a credit report from XXXX XXXX that shows XXXX was in collections from XXXX and charged off in XXXX XXXX so they have re-aged the account and should be removed for illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: Information belongs to someone else

Complaint:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( XXXX XXXX XXXX XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). 

... ... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report 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 2023-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX canceled charge {$150.00} refunded money. Credit card company Sent me letter resolved in my favor. But they will not credit my account called 27 times all said it was being fixed. 2 statements no credit.

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
Consumer complaint received 2021-03-10
Company: EQUIFAX, 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 information incorrect

Complaint:
The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRUIST FINANCIAL CORPORATION
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
1. Opened a HELOC in XXXX, XXXX. Never missed a payment 2.Opened another HELOC in XXXX, same Bank ( Truist ), {$110000.00}. in XXXX. After 7 months they told us we need to pay of the remaining balance from the first loan for XXXX which they already gave us a Disbursement letter that they paid it off. We would not have accepted that if they told us we had to pay that off before we could get another loan. 
3. So now they have put that on a revolving option loan and the interest keeps going up. Our loan payment from he XXXX was fixed at {$630.00} and now we have to pay XXXX was our last payment. 
4. They gave us a XXXX XXXX. Acct which has XXXX and we have a line of credit for XXXX that we are supposed to be able to draw from but they have frozen both accounts. We did not create and They won/t do anything about it. My husband just had to retire due to XXXX and we are in our XXXX 's. This is just not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: OneMain Finance Corporation
State: WA
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:
My XXXX and XXXX reports recently showed three Hard Inquiries that I didn't authorize. I am requesting that they be removed from my credit immediately. 

XXXX ) XXXX XXXX / Inquiry Date : XXXX XXXX ) XXXX XXXX / Inquiry Date : XX/XX/2023 XXXX ) OneMain Financial / Inquiry Date : XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
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:
****SEE ATTACHMENTS PLEASE**** For the last few months, I pointed out couple of errors, misleading, incomplete and multiple inaccuracies how my name are mixed misspelled, wrong addresses, inconsistent with several accounts and Ive asked that you investigate and delete. These accounts are not verifiable under section of 609 of FRCA and therefore I need them all DELETED effective today. 

The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Tower Loan of Mississippi, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX - XXXX XXXX XXXX I filed a complaint of phone harassment by Tower Loan on XX/XX/XXXX after repeated calls to both my cell phone and home phone. I explained to the callers that I dont know the person theyre looking for and they assured me the calls would stop. 
My son had major complicated XXXX at XXXX XX/XX/XXXX. I need to communicate with my sons providers and this company continues to harass me. 
After I submitted a complaint I received a letter from XXXX XXXX, copied to XXXX XXXX XXXX XXXX XXXX. Again, they apologized and assured me that my phone number was removed and therefore the case is closed. 
THESE PEOPLE ARE LIARS. THEY HAVE NO INTENTION OF STOPPING!! 
I just received another call from Tower Loan. Right now on my home phone. 
I have no business with this company. I do not know the persons they are looking for!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: TX
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 requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but XXXX  and Experian have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record

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 2019-05-28
Company: EQUIFAX, INC.
State: TX
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 DISPUTED INFORMATION WITH EQUIFAX. THERE ARE ACCCOUNTS THAT I HAVE BEEN DISPUTING AND THEY STILL EXIST. OTHER BUREAU COULD NOT PROVIDE PROOF OF A CONTRACT FROM ME FROM THE CREDITOR WHO FURNISHED THE INFORMATION SO THEY DELETED IT ... BUT NOT EQUIFAX! I EVEN CALLED THEM AND ASKED THEY WHY HAVENT THEY REQUESTED AND RECEIVED PROOF, DOCUMENTS, CONTRACT ETC OF MINE FROM THE INFO PROVIDER AND THEY HAD NO EXPLANATION BUT TO OFFER TO DISPUTE AGAIN AND I GOT THE SAME RESULTS. THEY STILL NOT HAVE PROVIDED PROOF! 
AS required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. THEY WANT TO CONTINUE TO PLAY THIS GAME WITH ME SO I HAVE NOW TAKEN IT TO THIS LEVEL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act Creditors Bureau Associates, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, hard inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries need to be removed for violating my rights.

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 2021-07-28
Company: EQUIFAX, INC.
State: MI
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: AL
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 several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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 recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Information belongs to someone else

Complaint:
Id like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permissionXXXX XXXX XXXX According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-09
Company: LEXISNEXIS
State: TX
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:
Concerning CFPB complaint XXXX LexisNexis admitted that I filed disputes about incorrect information on their consumer report containing information about me. LexisNexis stated that disputes were filed XX/XX/XXXX. This dispute was directly related to an identity breach and social security variance that was addressed with LexisNexis as well as all other credit reporting bureaus. XX/XX/XXXX it was discoverd that the disputed items were not deleted by LexisNexis as asked and my request to " Cease and Desist '' ( OPT OUT ) of the sharing of my information was not granted per my rights under FCRA. XX/XX/XXXX and XX/XX/XXXX corespondence sent certified mail to LexisNexis were subsequently ignored and no resolution to innacurate data was accomplished only letters that stated " they could not verify identity '' even though clearly legible copies of both state issued drivers license and social security card were sent with each certified mail corespondence. LexisNexis stated in its last complaint response that they mailed a Consumer Disclosure Report ( LNCDR ). No such report has ever been mailed to me. I have sent affidaivts and identity information in order to remove incorrect address and public record information pertaining to me as per my rights under FCRA. LexisNexis has been asked several times to : 1. Give me a description of the procedure used to determine the accuracy and completeness of disputed including the business name and address, and telephone number of any furnisher of information contacted.They have refused each request. 
2. To furnish notification of the deletion of disputed information to any person or company whomever has received a LexisNexis consumer report. XXXX has refused. 
3. To " CEASE and DESIST '' sharing of my personal information with ANY third party ( OPT OUT ) because they DO NOT HAVE MY CONSENT to compile or share this information. LexisNexis has refused. 
At this time XXXX is in direct violation of my consumer rights under FCRA.

Company response to consumer: Closed with explanation