BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-20
Company: EQUIFAX, 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:
This complaint is against Equifax. Equifax has been notified on 7 different occasions from myself and the better business bureau along with complaints with the CFPB concerning this wrongful account. Equifax has been given a hard copy of proof that this account is not mine, as i have done the work for them as they seem to not be able to handle such and use something called XXXX to verify accounts, instead of actual manual look up by a real employee of Equifax. I do not appreciate the defamation that Equifax has put on my personal information, and regarding their careless ways my information was stolen from their servers, now i must freeze my credit accounts and have placed fraud alerts on them. 
I do know by law and under the FDCRA, I will be awarded {$1000.00} for each wrongful mark that Equifax has placed on my report and this account is showing duplicate, that will equal out to {$2000.00} USD that I will be awarded. I will continue with the representation of a attorney if this account with the attached account number is not removed immediately from my file, as I have given enough proof with certified receipts and documents to Equifax and they continue to ignore this situation. This account is NOT MINE & NEVER HAS BEEN! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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:
OnXX/XX/XXXX, I check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-03-04
Company: August Real Estate Investments, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Mr. XXXX XXXX who is my lender, failed to pay my property taxes that are now delinquent and due for the year 2020. I have in good faith made all of my mortgage payments ( to August REI the lenders 3rd party loan servicer ) month and within time frame given each month without being late or missing any payments. Included in my mortgage is payments that is supposed to go towards paying the taxes in XXXX, Texas ( the property in which I am currently purchasing from the lender ). I have included along with this letter a copy of the delinquent payment invoice sent to me from XXXX County Tax office. Please help with this issue. This is a hugh inconvenience as well as a threat to my daily living stability and my families lively hood.

Prior to this I had to constantly go back and forth with getting my homeowners insurance paid for the year with monies paid into my escrow account. The year before I was forced to pay for two different homeowners policies due to the lender not wanting me to go with a lower rate and better company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MOHELA
State: PR
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:
Complaint to MOHELA ACCT NUMBER : XXXX Hello My name is XXXX XXXX XXXX XXXX I have a certification of XXXX approved on XXXX XXXX XXXX XXXX XXXX plan FOR THE ACCOUNT XXXX. They are committing discrimination against XXXX XXXX borrowers. I have had an approved XXXX since XX/XX/ and without my consent they want me to pay the full amount. Now I called XXXX times and talked with XXXX  representatives to resolve the situation. I need my XXXX back. The XXXX repayment plan approved on XXXX XXXX XXXX is : XXXX : And the XXXX payment Amount for this plan is : XXXX FOR XXXXXXXX XXXX PAYMENTS. 

As a result of everything that happened with Mohela, I had to request a new repayment plan, when there was already an approved one. I understand that the process they have put me through is unfair. It is a process that is detrimental to the borrower. They also did not want to process the payment deferral until XX/XX/, in which the requested repayment plan is approved. To date, they have not wanted to process my new request nor the documents that support it. The customer service is terrible, they don't want to talk to XXXX customers. They hang up the phone when you ask to speak to a supervisor. I am desperate and saddened and I don't know what else to do after so many calls and emails written almost XXXX with this company. I have exhausted all available resources and that is why I very respectfully turn to you for help. 

I have a XXXXl complaints to Mohela with no response or resolution. 


Complaint- XXXX XXXX XXXX  Complaint- XXXX XXXX XXXX   Complaint- XXXX XXXX XXXX Complaint- XXXX XXXX XXXX  Complaint- XXXX XXXX XXXX Complaint- XXXX XXXX XXXX I appreciate all the help you can give me for this terrible situation.

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 2023-12-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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 information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Continental Finance Company, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint is about a payment I made that was not recieved by credit card company XXXX XXXX  on XX/XX/2018 I made payment online that was comfirmed by XXXX XXXX XXXX web site, that the payment went through and would be process ,30 days later I discover to my surprise that I had been reported to the credit bureaus by XXXX XXXX for late or never received payment.My payment was never received by XXXX XXXX  although i made payment on their web site when i called XXXX XXXX they told me if i tried to make a payment on line using a cell phone that the payments or not received that way and that i must first download a certain app to pay from my cell phone, I had no information about this needing to download an app before hand, XXXX XXXX didnt inform me that i couldnt pay this way nor did their website explain anything about needing to download an app to pay when using a cell phone.

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 2020-12-03
Company: Experian Information Solutions Inc.
State: RI
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 a total of 3 letters to XXXX  and Experian in reference to unverifiable and inaccurate accounts listed on my credit reports. I have asked that they verify that the accounts were mine, provide me with their methods of verification, as well as provide me with a copy of any original documentation with my signature on it. Both XXXX  and Experian  have failed to adhere to my requests and these unverifiable and inaccurate accounts remain on my credit report. I sent these letters to XXXX  and Experian  on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have attached copies of these letters ( that were notarized ) as well as Return Receipts for both XXXX  and Experian. Despite my 3 written requests, the unverified and inaccurate accounts still remain on my credit report.

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 2023-12-04
Company: EQUIFAX, INC.
State: IL
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:
THIS IS WITH FTC ATTACHMENT On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Risecredit, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a loan with RISE. I became delinquent on this loan. At the exact 60 day mark, RISE made the decision to charge off the entire account. 

On XX/XX/1999, the FRB, FDIC, and OCC issued the Uniform Retail Credit Classification and Account Management Policy, which established a charge-off policy for open-end credit at 180 days and closed-end credit at 120 days delinquency. 

I contacted them both before and after the loan was charged off and offered to pay off my loan balance, but also requested that they remove the charge off, as nowhere in my contract or their company terms and conditions did it state that they would not follow the federal guidelines. They replied that they have a " 60 day policy. '' When I called and spoke to an agent, the agent indicated that he could find no documentation stating this " 60 day '' policy, nor had I signed any documents agreeing to those terms. 

Upon speaking with an attorney, I was informed that the law outlining bad debt as well as the presumption of uncollectibility states that after reasonable and customary attempts to collect a bill, AND the debt remains unpaid for more than 120 days, THEN the debt may be deemed uncollectible and charged off. 

I offered to pay off my debt ( either a settled amount or original full amount ) in both email and over the phone, and yet despite my emails and calls, RISE decided to sell off the debt to a debt collector, thus adding insult and injury to an already unjust situation. They were uncooperative, unhelpful, and if their decision to sell off my account during the middle of our dispute is any indication, they're vindictive too. What reasonable creditor doesn't want to be repaid their money and would choose to sell it off instead?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: MI
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 have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment on XX/XX/19 which was a Sunday at XXXX. XXXX XXXX changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX PM. XXXX XXXX refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XXXX XXXX was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX  XXXX trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 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 2021-05-23
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out that MRSBPO LLC had opened a collections account via a credit monitoring service as derogatory mark against my account. The account was opened XX/XX/XXXX. 

Previously I had no notification, or contact with MRSBPO LLC. The original account was a XXXX account which had an additional month of service billed after cancelation of the account, which was disputed with XXXX. 

Originally it was attempted to be resolved directly with XXXX but they did not have enough length of record to determine why this additional month of service was owed. XXXX refused to drop the amount, even though I had record of all months of service paid in full up to the receipt and confirmed date of return of equipment. Which by direction of XXXX themselves, was to be specifically XX/XX/XXXX in order to NOT incur another month of payment. 

This debt was passed to collection. A company called XXXX XXXX XXXX opened a similar tactic account with out ever contacting me. This was submitted in a previous CFPB complaint ID : XXXX. 

XXXX XXXX was supposed to send me written debt verification, we sent some emails, confirmed mailing address, etc. Talked with them on the phone, they closed the account they had opened on my credit with OUT verifying debt. And then never sent me anything or called me back, etc. 

It appears they just passed the account on to MRSBPO LLC. Which some background research has lead me to find that they attempt to notify XXXX accounts by sending a MMS message image to phones. A tactic commonly utilized by scammers and is prone to being automatically filtered by anti-spam software on newer smartphones. 

Having never sent a written letter ( which a correct address would have been confirmed from the dealings with XXXX XXXX ) or a voicemail, phonecall, etc. 

When I called them to notify they had fraudulently opened my account with out ever making a meaningful attempt to notify or verify the debt they denied they had done anything such, and suggest I provide my attorneys number. 

I expressed to XXXX XXXX that I had a full record of my payments to XXXX from starting service, which XXXX themselves admitted they do not even have. Of which I payed in full ever month of service up to my physical return of the equipment. 

At this point the account is just being bounced from agency to agency and they are utilizing damage to credit score to bully a payment. 

Attached was the originally disputed account from XXXX XXXX, the last email correspondence and the new account as reported on credit monitoring services.

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 2019-01-10
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had a lease with GM financial which I extended for 6 months. I was able to lease a new car in XXXX, 2018 so I returned the car on the existing lease in XX/XX/2018. However the dealer, XXXX XXXX XXXX in XXXX, MA did not process the transaction to close the original lease so GM contacted me regarding the status of the lease. I informed GM on XX/XX/18 that I returned the car to the dealer and had entered into a new lease which GM does have that information. However, GM has not reached out to the dealer to complete the transaction to close the lease. Rather GM continues to harass me with telephone calls and letters. I have tried on several attempts to resolve this with GM but can not resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 1666 b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason...

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 2022-11-03
Company: Experian Information Solutions Inc.
State: IL
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:
I was never late paying my debt. This is inaccurate. You are reporting inaccurate information on my credit report.

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