BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a company, XXXX, reporting information that I feel is incorrect based on the document that I have. Equifax has not provided me with their proof in order for me to verify. I checked with the county court of public record last year and the only document that was on file contradicted what was reported by XXXX on my Equifax report. I am looking to have the information correct. However, if the information is not accurate, I 'd like it removed because I would 've already suffered a higher penalty for the inaccurate information. I also had an issue uploading documentation that supports my case. That document is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NJ
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:
In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.

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 2023-10-30
Company: MOHELA
State: CA
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:
Since XX/XX/2022, I have been trying to have my loans transferred from XXXX to MOHELA, with no success. In XX/XX/2022, I applied for XXXX, requesting to consolidate two loans, but leaving the others unconsolidated as they were already direct loans. I did request that all loans be transferred to MOHELA. The loan consolidation was successful, but the other loans were not transferred to MOHELA. Since then, I have called both servicers multiple times, often waiting on hold for hours. Each time, both servicers say they are waiting for the other servicer, and that I should wait " 60-90 days ''. I have waited that amount of time, only to have nothing proceed. Whenever I have called back, each servicer says there was some nondescript error, and say they have " resubmitted it '', and that I should wait another 60-90 days. It has now been one year with no progress. In particular, MOHELA staff have been incredibly unhelpful, often with hours-long wait times to speak to someone who just tells me to wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Westlake Services, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have paid them over XXXX for my title loan that was XXXX and they kept charging me hundreds of dollars for a repo expense that I had to pay to get my car back after a few missed payments. Theyve kept charging even after I paid it up up to over {$700.00}. Theyve only ever let me pay off {$200.00} of principal. Title loans are illegal in Ohio & yet they still have them here. My apr is 77 % and that is also illegal. They have only been taking my money for interest and made up fees. Our area is very poor and I cant imagine how many lives are ruined by this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am requesting that the following information listed removed from my report. This information is inaccurate or no longer in use. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and 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. 
Please list my name as XXXX XXXX XXXX and my telephone number XXXX this is my current and up to date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
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:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
DEPT OF ED/XXXX  Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.

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 2023-03-09
Company: EQUIFAX, INC.
State: TX
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 notified Equifax continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from Equifax & creditors stating the information on my report is accurate when it is not. 

The fraudulent items are : XXXX  {$450.00} XXXX {$690.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX with things that are fraudulent - Equifax Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit - XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to Equifax on XX/XX/XXXX, via postal service PS FORM XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the Equifax Fraud Specialist suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the Equifax Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX store

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my Mortgage with SLS, Specialized Loan Servicing, located in XXXX, Co. I have had my mortgage with them for several years. It was purchased from an original company I had found on line, which was a fine company. SLS makes it extremely difficult to access account information via their phone service ( phone tree ) or their web site. 

On the phone tree, today I spent 7 minutes wading through the menu options, finally getting through to an actual human. She put me on hold for 10 minutes, and then the call disconnected. 

As bad as the phone tree is, the web site is worse. I have always had trouble using their web site, in the last year I continue to get locked out or the XXXX returns a " bad request - request too long '' error message. When I called about this, after another 20 minutes of phone tree stupidity, I was told the SLSXXXX  account was wrong and they gave me a completely unrelated web address, XXXX  That worked one day, since then I have not been able to access my account on the web - same error message as the other link. Back to the terrible phone tree. Sigh.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 never dealt with these creditors in the past. I contacted Transunion and XXXX to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXXXXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. 
XXXX XXXX ( Original Creditor : 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 2023-04-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$0.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$40000.00} 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 2022-04-29
Company: Nelnet, Inc.
State: CA
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 noticed that my federal direct loans are listed as having a grace period from XX/XX/XXXX until XX/XX/XXXX. Since the maximum forbearance length is 3 years total, and I was not enrolled in school and I was not in default during that time, I would like to know if Nelnet possibly has inaccurate information on file for those loans which could affect my length of repayment towards Income Based Repayment ( IBR ). The code they are using for grace period is associated with a 6 month period of time between repayment statuses so it doesn't make sense at all that I was in forbearance for 6 years and 3 months. 

I emailed and spoke to a customer service representative at Nelnet, who said they " had never seen that before '' and that it " should '' be counted towards the 25 years of payments for loan forgiveness, however he could not confirm that this was the case after over 1.5 hours on the call. I am concerned that Nelnet mishandled my payment records and that I will potentially lose out on 75 months of qualifying payments towards my 25 year cap for student loans on IBR payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: AZ
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 disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. DPT EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files 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 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 XXXX XXXX XXXX XXXXXXXX XXXX  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-08-04
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.

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 2023-07-17
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2022-04-29
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I added a new bank account to the auto pay of my Amex XXXX XXXX everyday card on XX/XX/2022. They didn't proceed my payment and hit me with a late fee. I used online chat and made a one time payment and they waived my late fee. A few days later I was hit with an interest charge. Used online chat again. After a few confusing rounds they told me they couldn't waive the payment. Reason being that they already waived the late fee. They also admitted that the app and auto pay features was a " work-in-progress ''. That led to the fees and the waste of time trying to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: Experian Information Solutions 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:
I WAS VICTIM OF IDENTITY THEFT, AS A RESULT THESE ACCOUNT IS REPORTING IN MY CREDIT, ILLIGALITY, IS NOT MINE AND NEVER AHD DONE BUSSINES WITH THIS COMPANY 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