BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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: Personal information incorrect

Complaint:
After several failed attempts to have the remaining incorrect address removed from my credit report with Experian, made 1 final attempt yesterday, XX/XX/XXXX, via Experian 's online dispute center. In less than 6 hours email notification was received informing dispute results were ready. NOTHING was done & my report remains exactly the same, still listing the duplicate/incorrect address despite already having my 1 and only correct address listed. 

Over the last 4 years the issues encountered with Experian have been ongoing & continue to do so today. Some inquiries/requests submitted even remain unanswered to date. In fact, I was forced to give up thanks to making NO progress at no fault of my own.

The tremendous efforts made to correct and repair my credit & credit file, require significant dedication & time away from my employment, yet remain unrecognized and/or rewarded with my credit file & status showing NO improvement. Meanwhile the credit bureaus & reporting agencies continue to do, literally, whatever it is that they please facing no consequence ( s ) nor held accountable. Despite my best efforts I continue to suffer.

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 2023-06-26
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My son purchased a {$100.00} Visa Vanilla gift card from XXXX and upon removing the exterior packaging it was evident it was tampered with- the numbers were damaged and there was no cvv, so the card was not usable. After calling visa they said that it could take 30 days after a claim is filed to resolve the issue, and this is only if they feel that the information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
One of the leading Credit union in DC area ( Penfed ) is misleading the consumers on the credit card promotion. I have called them couple of times and explained the situation but they have refused to provide with the {$100.00} credit for spending {$1500.00} in first 90 days. 

Here is the chronological order of events. 
I applied for the credit card on XX/XX/XXXX and I got an email on XX/XX/XXXX that my credit card was activated. I reached back to Credit union immediately that I didn't receive the credit card and wanted to make sure it was not stolen and activated by some one else. I was informed that the credit card was mailed on XX/XX/XXXX and due to postal delays etc, I was not able to activate the card until XX/XX/XXXX. 

I waited till Mid XX/XX/XXXX to see if I will get the {$100.00} promo applied, I called Penfed and the customer representative informed me that I met the condition and it will be applied in couple of weeks. So I waited and called them back in XX/XX/XXXX and opened a support case ( XXXX ). That's when I got the message from penfed that I didn't qualify and the previous representative didn't check my information correctly. 

So when I pressed for more information about the why my {$100.00} promo was rejected by penfed. I was given XXXX of the weirdest explanations that 90 days count from the date of the application approval ( aka XX/XX/XXXX in my case and ended on XX/XX/XXXX ) and that I only spent {$1400.00} dollars about 90 $ short of {$1500.00} goals. The advertising is very deceiving. I was surprised that that they consider application approval as account opening date, I never had a credit card company that considered a card is open until the physical card is activated by the consumer. 

I have spent more than {$1500.00} threshold by XX/XX/XXXX ( aka XX/XX/XXXX XXXX email of approval ) and if you go by the credit card activation which was XX/XX/XXXX till XX/XX/XXXX, I have spend lot more on my credit card. So I requested the Penfed to honor by {$100.00} promotion reward and they rejected it. 

so I am asking CFPB organization to support innocent Customers like me and many of our armed forces who rely on penfed for there financial needs.

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 2018-03-06
Company: MCMC Auto LTD
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I do not know how long this has been going on but recently I've found out XX/XX/18 that the car payments that I've been making have been going to XXXX auto insurance at their choosing. After paying over {$400.00} within the same week I received a text message stating a text that I was over {$400.00} past due. When I called their customer service stated they could apply my payments anywhere they choose and that I was now 20 days past due. The loan I have is a simple interest loan by the company choosing not to apply my payments to the actual loan I will be paying way more for the vehicle than expected along with negative reports to my credit while making payments. Prior to this incident the customer service collectors will make you feel as if you are about to be repossessed verbally and through text.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: MOHELA
State: PA
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:
Mohela has mishandled my student loans. I was transferred from XXXX to Mohela. XXXX approved my XXXX driven repayment plan for a cost of aproxiamtely $ XXXX. Upon the transfer to Mohela, Mohela " lost '' this application and informed me that I now owe {$390.00} a month. I reapplied for XXXX and uploaded supporting documents from XXXX and applied for forbearance. I called Mohela on XX/XX/XXXX. After nearly XXXX hours on hold, a representative told me " you did everything right '' and my forbearance would be approved by Monday, XX/XX/XXXX and I would not need to pay. 

Mohela 's auto debit system failed and did not bill me the ( again, incorrect ) amount of {$390.00}. Instead, Mohela put my account into delinquency and when I called again today ( Wednesday, XX/XX/XXXX ) Mohela 's automated phone system warned me that a collections agency would gather information to use against me, despite XXXX XXXX 's so-called " on ramp '' of not reporting delinquent payments to creditors. 

Additionally, my XXXX has been denied, despite the fact that I only make {$39000.00} a year after tax. 

I do not know if I still qualify for XXXX XXXX XXXX XXXX. I just resubmitted an IDR application with documents attached ( which are not required ) and Mohela is showing that I applied for REPAYE when I applied for XXXX. 

I have been on hold for an hour again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-05-09
Company: Winklevoss Exchange LLC
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have made a limit order on Gemini using their active trader software and now I am unable to cancel that limit order and my funds are stuck unless the price of the currency gets to that point, which it is unlikely now. I had no pending deposits or withdraws and should not have had a problem cancelling a order. The limit order was placed on XX/XX/2021 for {$3400.00} and I have contacted their support multiple times with no response. I am starting to think they are keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am unable to communicate with Ocwen because I am being represented by an attorney. My attorney has made several attempts to communicate with the servicers attorney XXXX XXXX and even sent him several emails, as of today no response. My insurance agent has made several attempts to get my homeowners insurance policy renewed, as of today she hasn't been able to get anyone at Ocwen to assist her, probably because the servicer is pulling another flimflam to sneak in another force place insurance policy again. How am I suppose to get matters resolved if the servicer wont communicate with me and its outside lawyer XXXX XXXX wont communicate with my lawyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: DE
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:
I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, yet I have not received a response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} ( Disputed Amount ) The information reported by your agency for the account XXXX is XXXX. The original creditor associated with this account is XXXX XXXX XXXX XXXX, which differs from the entity you indicate. I have never entered into any contractual agreement with the mentioned company and have not received any communication from them. The reported balance of {$1400.00} exceeds my understanding of the owed amount. In light of these inaccuracies, I am contesting the entirety of this account and request verification of the Date Opened and Date of First Delinquency. 


XXXX. Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ( Disputed Amount ) The details presented for the account XXXX are XXXX incorrect. The original creditor for this account is XXXX XXXX XXXX XXXX, not the entity indicated by your agency. The reported balance of {$1700.00} surpasses the amount I acknowledge owing. I dispute the accuracy of this account and call for verification of the Date Opened and Date of First Delinquency. 


XXXX. Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Disputed Amount ) The account information provided for XXXX warrants further investigation. While the original creditor is XXXX AT T, I have not been contacted by XXXX. The reported balance of {$1100.00} is inflated and inconsistent with my records. Given these discrepancies, I dispute the entirety of this account and insist on verification of the Date Opened and Date of First Delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXXXXXXXXXX XXXX XXXXXXXX PLEASE HAVE THE INQUIRIES DELETED FROM MY CREDIT REPORT 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 2023-01-01
Company: EQUIFAX, INC.
State: CA
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 convergent XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2019-10-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
At XXXX XXXX on Friday, XX/XX/2019, I received a call from my lender, XXXX XXXX , XXXX at ( XXXX ) XXXX. They wanted to discuss possible ways to reduce my mortgage payments and save me some money. I told them I might be interested. They asked for information on where I work and how much I make. They ask how I've been paying my credit card payments. They said they would get back to me, and they never called back with any further information. 

They NEVER asked me to do a credit pull, never told me about such a thing, never asked me about refinancing or whatever options they have to save me money. They said they would call me back. 

Next thing I know, I get an experian notification saying there was a change to my credit file. I logged in, and there was a hard credit inquiry by XXXX XXXX. I NEVER gave them permission to do a hard credit inquiry, and they NEVER asked me for permission. I feel this is fraud or theft, as I know the results of a hard inquiry.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

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 2023-08-28
Company: EQUIFAX, INC.
State: GA
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: MD
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:
My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from XXXX XXXX that our mortgage was sold to XXXX XXXX XXXX. On XX/XX/XXXX XXXX reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. XXXX XXXX   reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX. XXXX XXXX XXXX report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX XXXX XXXX   reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with  XXXX XXXX XXXX not XXXX XXXX XXXX. I have requested for XXXX to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is an update to an ongoing issue. 

Equifax allows easy acces to 3rd parties and restricts the natural person to whom the report pertains to. Malicious intent.

Company response to consumer: Closed with explanation