BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I have updated information about these unknown inaccurate accounts, and addresses on my credit reports. I have been reaching out to these companies since XX/XX/2023 requesting verification on these inaccurate unknown accounts, but these companies have ignored my request and continue to violate me as a consumer and violate the FCRA every month. These companies are not supposed to report on my behalf without my written consent and before they report they are to investigate to make sure that the information to be reported is 100 % accurate per the FCRA LAWS. The information uploaded is showing proof where these companies are all reporting different inaccurate unknown information and each month updating old accounts withe new information monthly that is damaging my credit every month which is illegal. I have been denied credit due this unfair treatment and I demand this information be deleted and updated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-03-26
Company: Experian Information Solutions Inc.
State: TX
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:
After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I called Transunion Spoke with a representative about Inquiries that were not mine and I believed were fraudulent! The Rep would not connect me to the fraud department. She told me to write them to file a complaint or dispute any information contained on their website! 
False Address : XXXX XXXX XXXX XXXX # XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. 
Fraudulent inquiry : XXXX XXXX Bank XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XX/XX/2021

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 2023-11-14
Company: MOHELA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was enrolled in an income driven repayment plan when student loan payments were suspended due to XXXX. Borrowers were told recertification was not necessary until payments were resumed. I did not receive notification to submit any recertification documentation but was transferred to a different repayment plan without my permission by MOHELA. 

In XX/XX/XXXX I applied for the repaye/save plan but was denied due to lack of documentation even though I gave permission for them to access my income through IRS electronically XXXX? I resubmitted an application for Save in XX/XX/XXXX using self certification and was notified the application processing would be delayed for weeks and subsequently got my first bill for a absurd monthly payment of $ XXXX I will absolutely not be making that payment and notified MOHELA of that through email. 

I expected that the process of resuming payments would be complex but transferring people to new payment plans without cause is a huge, unnecessary complication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: HANCOCK WHITNEY BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hancock Whitney Bank claims I have delinquent property taxes for tax year XXXX- Hancock Whitney for a 2nd time claimed I have delinquent property taxes. 
- Hancock Whitney insists I must provide proof which I have done twice this year via fax and e-mail Background History - My loan XXXX does not have an escrow account - I pay my own taxes - I have paid my taxes on time for this loan since inception in XX/XX/XXXX. 
- This year is the first year Hancock Whitney began claiming I have delinquent taxes. 
+ XX/XX/XXXX : Hancock Whitney sent letter claiming I had delinquent taxes of {$530.00} due to XXXX XXXX. 
+ XX/XX/XXXX : I called Hancock Whitney ( XXXX ) to advise them of their incorrect information and faxed ( XXXX ) proof of my tax payments and statements showing no delinquent taxes. I spoke to a manager in the property tax department. Her name was XXXX. 
+ XX/XX/XXXX : I called ( spoke to XXXX XXXX and emailed Hancock Whitney with attached proof of tax payments. 
+ XX/XX/XXXX : Hancock Whitney sent letter acknowledging my complaint. 
+ XX/XX/XXXX : Hancock Whitney emailed me ( XXXX ) stating they received my proof of tax payments and had updated their records accordingly. 
+ XX/XX/XXXX : Hancock Whitney sent a new letter again claiming I had delinquent taxes in the amount of {$530.00} for parcel XXXX. Letter received XX/XX/XXXX. 
+ XX/XX/XXXX : I again sent an email with attached proof of payments. I advised Hancock Whitney I would file a complaint with CFPB. 

Please contact Hancock Whitney and help me determine why they are harassing me. My personal opinion is incompetence, but I will reserve final judgement based on your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I received a text message that there was a USAA fraud alert. I texted back no and that same number replied saying they will contact me shortly. Basically what happened is that it was a phishing scam. And after I hung up I had an uneasy feeling so I called USAA through my bank application. They informed me indeed it was a scam and they took down my information locked my account while they investigated. So while they investigate the situation they gave me a provisional balance until they concluded their investigation. On XX/XX/XXXX they took back the money and sent me a notice that the transactions were not fraudulent because the vendor ( XXXX XXXX ) approved it. So then I reopened the investigation and in a couple of weeks they gave me the same answer. They Investigated this incident without once calling me to ask me what happened or what the scammers said. They could have asked me for the phone number that texted me. Screenshots of the texts I got but they didnt. They did not call me once not even when I asked them for a call back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, I referred my " American Express Blue Cash Preferred '' credit card to a friend with a special referral offer saying " earn {$75.00} Reward Dollars per approved referral ''. 

My friend successfully received his card and my account is supposed to receive {$75.00} rewards dollar within 8-12 weeks per term, ( no later than XX/XX/XXXX ). 

However when I remember it and check my account rewards history after one year ( in XX/XX/XXXX ), I didn't see any referral bonus rewards, I contacted customer service about that, then the pain started. 

Every time I was connected to a representative, I had to tell the story once, then they created a case and said it had to be reviewed by other teams and it would take couple weeks for response. I waited for about a month without hearing anything back, then I tried to contact again, repeated what I had done and fell into reporting then waiting for another couple weeks loop. 

I tried to follow up at least 4 times in XXXX, XXXX, XXXX, XX/XX/XXXX. 
Sometime I was told I would be contacted after investigation is complete, sometime they said missing rewards would show up in my account after investigation and I do not have to contact again. 

No surprise, neither of them happened. So I contacted them again in XXXX and learned something new. They told me investigation was done and my case was already closed without doing anything to resolve the problem. I could not understand what's wrong with them and how that simple case needs so long time for investigating. They opened a new case for me and asked me to wait. 

This time I received an email asking me to call a number to discuss my case ( first time ). 
I called twice, all disappointed. 

The 1st call told me they need contact other team and will call me back after they have a response, but I didn't receive a callback.

After a few days, I made the 2nd call which put me on hold after hearing the story, but then I was transferred to another agent who has no idea about situation. I have to start over with the story, then I was put n hold for more than half an hour without hearing a word, so I hang up. 

I get an old ticket number " XXXX '' which was opened before and closed without providing any resolution, and I have this latest ticket number " XXXX ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-04
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Representative from the Phoenix Recovery Group constantly harasses me with foul and vulgar language about a debt they claim I owe. The harassment escalated when I disputed their claims with the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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:
I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with Experian and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with XXXX and they agreed that I was taken off XX/XX/XXXX and now it is about to be 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 2019-08-26
Company: EQUIFAX, INC.
State: GA
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX XXXX  There are also inquiries that need to be removed as well : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I had my PSLF student loan recertified in XX/XX/XXXX and in XXXX my certification letter was complete and my loans were forgiven/discharged. In XXXX, Mohela, an office of the Dept of Education stated that the total of the PSLF qualifying payments was XXXX which is over the 120 payments. On the Mohela website which is an office of the Dept of Education that any qualifying payments over XXXX, would be automatically refunded to the borrower, myself. When I had contacted several Mohela reps during XX/XX/XXXX and XX/XX/XXXX they told me that I had XXXX PSLF payments, that I would get a refund for the XXXX extra PSLF qualifying payments. On XX/XX/XXXX I contacted Mohela again to find out when the paper checks for the refund would take, I was told that I do not qualify for the overpayments and that my loan was forgiven and no other action would happen. I was questioning why since the Mohela website state any payments over XXXX would be refunded back to the borrower. The Mohela rep dit not have a response to that when I had asked why it stated that on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I submitted an application for the REPAYE ( now SAVE ) repayment plan on XX/XX/XXXX, XXXX indicating that I have XXXX dependents, am XXXX and do not file my taxes jointly with my spouse. This was submitted with mhy 2022 tax information linked directly from the IRS showing an Adjusted Gross Income of {$26000.00}. Based on the family size and income provided my estimated monthly payment should be XXXX, however MOHELA is charging me {$540.00} per month under the SAVE plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions 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:
I have sent multiple letters to Experian ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: ERC
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: Account information incorrect

Complaint:
Okay Enhanced Recovery Company has been a thorn to me for the last few years. They have neglected to validate the debt. Not to mention the inaccurate they reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
Ive been trying to notify these credit bureaus several times to take a look at these accounts and re-examine or investigate them because I dont think that it is fair and right for them to just furnish such information without my knowledge knowing that all of these accounts doesnt provide any complete accuracy at all. 

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 explanation
Consumer complaint received 2020-01-27
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Made several lump same payments totaling {$2800.00} -- on XXXX ( {$400.00} ), XXXX ( {$600.00} ), XXXX ( {$1700.00} ),  and XXXX ( {$140.00} ) -- with the intention of applying the extra payment to principal. There is no option on the website to direct payment to principal. After making the payment I noticed it was not applied to principal, instead was applied to future payments. I then called Valley several days later ( approximately XX/XX/XXXX ). Bank told me they would speak with " financial '' about reapplying the payments correctly, and will get back to me. They never called back. I revisited the issue now in XXXX and the bank is telling me that if they apply the payments now, my account will be delinquent and sent to collections, and that they will " come take my car ''. If they had taken care of this issue back in XXXX when I called, I would have been due in XXXX and continued making payments, reducing my total interest owed as I intended. Instead my due date is XXXX and at the bank is threatening me with repossession of a vehicle if they correct their own mistake. They simply didn't heed my request in XXXX -- that is not okay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: United PanAm Financial Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
several times I have requested this company to stop harassing me about this alleged account I have demanded this company by mail to block and delete my information from their data sharing system they refuse to do so they continue to harass my family and I by phone mail email I believe they even have people waiting outside of my home my family and I feel extremely threated and this must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I called Prosper to understand the interested they charge and if it is possible to reduce the interested and the monthly payments. 
The company offer me more loan. 
I am a Caregiver and I make $ XXXX/ hour. I am struggling to pay all the debts. Can you help me, please? I am divorced and XXXX years old of age. Please, help me.

XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX/XXXX I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX/XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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