BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
transunion refuses to take an online dispute, have me call there service # and they put me on hold, i waited 1 hr never picked up.tried later same thing.

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 2021-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOV ASS Contact XXXX XXXX XXXX XXXX, VAXXXX  HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$450.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: LendingUSA
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:
Theres a open complaint that is still being investigated filed against XXXX XXXX with Consumer Financial Protection on XX/XX/21 or XX/XX/21, complaint # XXXX. I received another denial letter from LendingUSA that stated XXXX XXXX XXXX  has denied me due to the number of inquiries, number of finance loans and my credit score is XXXX on XX/XX/21. Due to the improper denial by XXXX that is being investigated, LendingUSA is checking other bank without my consent and they are currently running my credit report with information that will show numerous of inquiries and open loans due XXXX denial. Also my credit score has dropped since the XXXX denial. My credit score that they provided to me in writing was XXXX  with XXXX  and currently the credit score is XXXX. I have not given XXXX or LendingUSA permission to pull my credit report again! XXXX or LendingUSA if they are affiliated should use the credit report that they pulled on XX/XX/21 or XX/XX/21 ( at the time the truth & lending agreement contract was signed or before when I first applied for credit. The finance inquiries that XXXX XXXX XXXX  is denying me per Credit Bureau reporting is inquiries & open loans wasnt on my credit at the time XXXX approval and it wasnt on the day I signed the agreement. As I mentioned before in the complaint, XXXX was the very first loan that I signed. I did not go with any other Banks until days or week later. It appears that XXXX XXXX LendingUSA is trying to search for other banks now and running my credit ( which will result in denials now due my credit score has dropped & inquiries & open accounts which is almost paid off ) to cover themselves for wrong denial. LendingUSAXXXX XXXX XXXX  is denying me based on recent information reporting and not with the information they obtained between XX/XX/XXXX-XX/XX/XXXX when my credit was pulled. My credit score dropped as soon as XXXX did a hard pull which was during that time period. LendingUSA need to stop pulling my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: MOHELA
State: MA
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 am trying to pay my loan faster than the minimum required as a way to pay less interest over the life of the loan. Rather than applying my payments over and beyond the minimum due to principal, Mohela has applied multiple of my payments to cover the next month 's payments ( including interest ). This negates the benefit of paying additional money for the purpose of lowering the principal and thus interest. Despite multiple calls, online requests, and emails, they keep applying payments to future month 's rather than reducing the overall principal as a means to reduce overall interest accrued on the loan. 

Additionally, Mohela put my account into a forbearance status WITHOUT my requesting to do so. On XX/XX/27 when they were supposed to withdraw {$210.00} from my account per my monthly withdrawal schedule, they instead put my account into forbearance AND continue to charge daily interest on the account. This is costing me additional money as not only would they not accept my scheduled monthly payment to lower the principal balance and overall interest, they are now charging me MORE interest on a higher principal balance since they wouldn't accept my monthly payment. When I called Mohela about this, the representative advised this has been a common system error with Monhela and that many accounts have been put into forbearance by this error. He advised interest would continue to accrue and there was nothing he could do to stop that. He then advised it would take Mohela several weeks to fix the error and restart my monthly payments ( all the while, my loan balance increases due to continuing accrued interest ). I then attempted to make a {$100.00} payment on my loan balances, but they once again applied that to a next month 's payment -including interest. 

I'm requesting they start collecting my monthly payments ( including additional principal payments ) and take my account out of this unrequested forbearance. Additionally, since the forbearance was caused by their error, I want them refund any interest that accrues on my account during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: PA
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:
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 XXXX5 USC 1681. 
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 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 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 explanation
Consumer complaint received 2023-04-29
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
american express has an inquiry on my report without my consent and knowledge. i would like it to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
One week ago on Wednesday, XX/XX/XXXX we filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding claim number XXXX. This transaction is not recognized and was not authorized as explained when it was initially reported to Chase. In response to the notice that Chase posted on the account related to this claim, we have requested copies of ALL documents that Chase has that proves this charge is valid and or authorized. It has been seven days and no one at Chase has responded to our CFPB complaint requesting the documents in accordance with the federal law - The Fair Billing Credit Act. In accordance with federal law Chase must provide the requested documents once funds from a dispute are reversed such as this claim. Chase has not provided the requested documents proving that the disputed transaction is indeed valid. 

It has been voiced several times that we experienced an emergency while out of town which required XXXX  service and were without devices and wallets for over eight hours or more. 
We are in request of the documents proving that we are responsible as Chase has stated. We reserve the right to file with the FTC and the CFPB again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2022-12-14
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, NV XXXX Equifax - XXXX XXXX XXXX - XXXX, GA XXXX Payment of {$300.00} posted XX/XX/21. Statement Date XXXX shows this payment reducing the balance from {$460.00} to {$190.00} ( +/- other minor adjustments ). TWICE since the payment was posted, XXXX XXXX has stated to Equifax that the balance is still {$460.00}. 

When I called XXXX XXXX to try to ask them, they acknowledged the lower balance but refused to send the updated balance to the credit bureau. 

While I have a dashboard account at Equifax, there is no way to refute a factually incorrect response to a dispute. The phone menu systems do not allow for human interaction and I have found nowhere on their site where I can submit documentation showing the correct balance as stated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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:
The accounts that's listed are not my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent in the payoff for this account three times. I have followed all the banking laws under the CFR codes, the indentured trustee act and the bill of exchange act. 21st mortgage refuses to send the documents to the indentured trustee at the XXXX XXXX XXXX XXXX XXXX to process the security I have sent them. The cfr code XXXX states that once payment has been accepted it must be processed and the debt must be discharged. 

I have saved copies of all mailings and have all the tracking numbers to show they have been paid. 

Also I know the company has been paid for this loan already and is trying to charge me interest on a loan that they have already been paid for. The company is double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2018 I received a letter from Pennsylvania Higher Education Assistance Agency regarding my student loans and my need to re-certify my income driven repayment plan within 10 days on XX/XX/2018 or else my monthly payment would increase to {$2000.00}. 

I was unable to submit this documentation through the PHEAA portal due to the fact that their was a discrepancy between my date of birth between them and the NSLDS. I have re-certified through this process several times and no one has been able to help me determine how this discrepancy came about or how it can be fixed. 

Since I was unable to submit the information through the portal, I needed to upload the re-certification and tax income verification manually. I received the form from Studentloans.gov and submitted the information on XX/XX/18. 

PHEAA sent me a letter on XX/XX/018 stating I was denied re-certification because the form I submitted was out of date, even though the form clearly stated at the top that it expired on XX/XX/18. I re-submitted my re-certification documentation on XX/XX/18. 

On XX/XX/18 I received another letter from PHEAA that stated because I had not submitted the re-certification forms my XXXX payment was set to increase by a multiple of 4. My Income Driven Repayment certification is still under review. 

Due to a a new flaw between PHEAA and the NSLDS regarding my date of birth and the slowness of PHEAA from veryifying my documents on two occasions, I am expected to pay four times my usual scheduled student loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Block, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I was looking on XXXX XXXX and seen a post for women 's XXXX  outfits for sale so I messaged the seller about them through XXXX XXXX. On XX/XX/2023 she messaged me back and we chatted about them for a little while and I decided to buy some of the outfits because she told me that she would sell me XXXX of them for {$250.00}. I went to the Cashapp and sent the {$250.00} to her Cashapp account and then we chatted for a little bit longer and then she told me that she would let me buy the remaining XXXX outfits for {$67.00} that way she could send them to me all at the day so I went back into my Cashapp account and sent the other {$67.00} to her Cashapp. She told me to send her my address and everything so I did and she told me that after she sent them out she would send me the tracking information and we ended the chat after that. The next day I waited for a little while for her to message and she never did so I tried messaging her several times but she had done something so she wouldn't receive my messages and never got in touch with me so I went to XXXX XXXX and tried to report her account and everything but she had removed all of her information and left the group that she had posted the outfits in. When she done that I couldn't report her or the situation to XXXX. I signed back in my Cashapp account and tried requesting my money back several times and she declined them so I reported her to Cashapp XXXX XXXX and explained the situation to them and tried to file a dispute claim but couldn't and Cashapp told me that they weren't going to do anything about the situation even though I have proof of the whole situation. I didn't know what else to do so I contacted the XXXX website and explained everything to a representative and they sent me to this website to file a claim about the situation. I have proof of the conversation and the proof that I sent both payments to her Cashapp account. I also, have some pictures of the items that I paid for but never received and a picture of some people that she knows or something. Her XXXX XXXX account name is XXXX  XXXX and her XXXX is XXXX  XXXX. I have the proof of everything but it isn't letting me attach the stuff to my complaint but I will try to figure out how to send it if it is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX5 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2020-04-01
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: Account status incorrect

Complaint:
I just became aware that this debt with XXXX XXXX XXXX is still showing as a " collection '' item in my Experian and XXXX  credit report. I am trying to purchase a house and this incorrect reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( Experian, XXXX, and XXXX ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-09-26
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

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 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