BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied via student loans.gov in mid XX/XX/XXXX for the REPAYE income based repayment plan after the Biden administration said to do so to automatically be added to the SAVe repayment plan in XXXX. My loan servicer Mohela approved this request in XXXX. Randomly in early XX/XX/XXXX the new IDR status was issued as denied and I received no reason or clarification, only a letter that my repayment terms were changed to the Level repayment plan- which would require me to pay my entire rent every month?! Ive submitted new requests including my XXXX tax return ( even though the administration says I dont need to do submit documentation to certify income ) but have heard nothing. This is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Monterey Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, We are contacting you regarding an issue we are experiencing with XXXX XXXX and Monterey Financial Services. XXXX XXXX forfeited our timeshare ownership, and we called and confirmed that our account was foreclosed in XXXX of XXXX. It is now XXXX, and Monterey Financial Services has notified us that they now have the account in collections. How can they legally collect when the timeshare told us our account was foreclosed? Also, why did they not try to collect when our account was active, until waiting months to put us on notice that they now are trying to collect on the total amount. Something is amiss here, and we need someone to look into this for us. Please assist us in this endeavor so we can resolve this once and for all. 
Regards, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this XXXX question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

XXXX more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the XXXX XXXX, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX Account # XXXX, FIRST XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted. 

In accordance with the Fair Credit Reporting Act they have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is XXXX. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed 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 2023-06-30
Company: Experian Information Solutions Inc.
State: MN
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:
I have submitted multiple disputes on Experian regarding my XXXX XXXX Mortgage account showing a balance of {$220000.00} which was last reported XX/XX/XXXX, I have also contacted XXXX XXXX and they confirmed my balance was XXXX ( house was sold XX/XX/XXXX ) Experian keeps telling me that XXXX XXXX is reporting and that it is correct, which in fact it is not, I have sent Experian copies of my statement showing a XXXX balance as of XX/XX/XXXX and earlier yet no action is being taken to correct the balance. This has been going on for nearly XXXX years and the other XXXX reporting agencies ( XXXX and XXXX ) show it as XXXX paid in full. I don't understand why Experian won't correct it.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian changed the payment history on this account, they changed the dates on the account and I want this account deleted because it has incorrect information on it. I disputed this account before and they said that the account was verified without doing an investigation. I have the pictures to prove that Experian changed the payment dates on this account. Before I disputed this account, it was XXXX  days past due in XXXX and after the dispute, Experian changed the payment history to XXXX  days past due starting in XXXX. How can they just switch account information like that, I was never late on XX/XX/2023 and if they have proof that I was late on that month then I want to see the proof, if theres no proof then I want the account to be deleted from my credit report. How can Experian report false information like that.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 15 USC 1681. 

Account name : XXXX XXXX XXXX. 
Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion didn't let me file a dispute through their website for accounts that are being reported due to identity theft. Through credit karma I was able to file a dispute for only one account. Transunion is the only agency that are still reporting this invalid accounts. Please review my FTC report and immediately remove the accounts listed.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to XXXX XXXX about account # XXXX and # XXXX and asked them to delete these inaccurate derogatory accounts. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2021-08-16
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls me 10+ times a day every 20 minutes all day long, sometimes theyll hang up and call right back, I am only 2 weeks late on my payment because I lost my job, I tried to explain this to them but they tell me it is not their issue and they dont have to stop calling me even though I have promised to catch up before the next payment is due, it is highly stressful because I cant even receive regular phone calls with them calling at all hours of the day. If I have explained my situation and promised to handle the outstanding balance before 30 days then they need to STOP. See attached photos for proof of the excessive calling, I cant even fit all of them in 1-2 screenshots, its XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a new account with BoA and upon receipt of the new card I also received a fraud letter. Upon getting that letter I was told I would get a letter on how how to validate. A few days later I then get a bill for the annual fee on an account I can not use so I called to figure that out, again told they cant do anything as I cant validate my account. Talked to a fifth person and told I can verify virtually but the system to set that up doesnt allow such without an online banking account, which I can not create without verification so was given the phone number to a branch in XXXX XXXX KS which does not answer the phone at XXXX XXXX CT after 40 mins of repeated cycling back and forth in the automated system to no avail. Called back again, got the option to have them call back when we person was available which they they then hungup before connected to an agent so tried calling back again and got a person who at this point I was clearly irritated due to the total waste of my time with hours of invested already and just want to close this account, which I was told they cant because I cant validate. This is circle that will not or can not get resolved by the BoA and they seem unwilling to resolve knowing I am hundreds of miles from a branch and they offer no other resolve.

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 2019-07-05
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Left messages in XX/XX/XXXX on Sears web site that we did not make the charge. They finally removed it after many messages. They put it back on our card & sent us a letter with Proof of purchase however the proof of purchase actually proved we did NOT make the purchase. There was no reason for them to put the charge back on if they had looked at what they sent us. 

I left message again on web site & I called today. I put the card on hold. The person on the other end was overseas & they asked for my checking account number!!! I informed them they did NOT need it but am very concerned that someone is asking for it! 

This charge is from XX/XX/2019 & we are still trying to get it taken care of!

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 2020-08-02
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have continually been steered towards forbearance and now to pay interest only. I am paying roughly {$1100.00} in payments each month and believe it is only going towards interest and not paying down my principal. They have lead me towards forbearance multiple times instead of an affordable plan. Any helpful things I have found on my own and was not guided by a professional. The website is too hard to maneuver and repayment plans were not easy to figure out. Im sure there are multiple recorded calls with me asking for help and not receiving educated/correct help that would not lead me to the position I am now in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX. 

Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report incorrectly shows this account with monthly late payments, despite my record as a reliable and prompt-paying customer.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to bring to your attention the accounts that are inaccurately reflected as late payments on my credit report. Despite my consistent history as a responsible and longstanding customer with a track record of on-time payments, these discrepancies have emerged.

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 2023-11-05
Company: MOHELA
State: WA
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:
On XXXX, MOHELA suddenly changed my student loan from SAVE to LEVEL. I have been on REPAYE for years because I am working toward PSLF. I received a letter saying my loan had been put on LEVEL ( aka Standard ) but the letter did not give a reason. I filed a complaint and refiled for an IDR ( even though I have an approved IDR from XXXX ). I looked on studentaid.gov and what loans qualify for SAVE and mine do qualify ( Direct/consolidated/unsub ). 

I searched the internet to see if this had happened to others and there is an entire XXXX XXXX of others detailing this same problem. 
XXXX XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2019-07-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Card Services reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with 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