BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602 A States I have the to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out 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 2022-04-19
Company: Afterpay US Services, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company took a payment from a card I had removed as a payment method for this account. I removed the card due to only using this card for rent. They put it back on my account themselves and proceeded to remove rent money from this card after I REMOVED IT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called to check on the refund due back to me from Mohela. I spoke to a rep that stated they sent 3 checks back in XXXX directly to my bank. I advised them that I see no payments and I called my bank and they also verified no payments recieved. I asked who next should I talk to since those payments would be close to 60 days. I was advised they have no idea and i can call the department of education. I do so and was hung up on 2 twice. I finally got someone that told me I need to talk to Mohela. This is definately not what I could do if I owed them money. The refund is over XXXX. The 3 checks the rep quoted added up to {$530.00}. i need answers about my refund please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following items are reporting inaccurate information on my credit report and are in violation of Sec 15 USC 1681a ( 2 ) ( b ) 2021 IRS publication 4681 Please REMOVE the following item XXXX XXXX XXXX  This account is in violation and should be removed immediately

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 2023-10-24
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XX/XX/23 I applied to consolidate all of my direct loans and apply for the XXXX repayment plan through studentaid.gov On XX/XX/23 I am alerted my loans are consolidated, and I have been placed on the standard repayment plan, despite requesting an income based repayment plan. 

On XX/XX/23 I submit another IBR request application through XXXX. 

On XX/XX/23 I securely message Mohela asking for forbearance until my XXXX  plan is assessed. 

On XX/XX/23 I submit an additional XXXX request application through Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NV
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'm a victim of Identity theft my information was found on the dark web, Equifax data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MOHELA
State: VA
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:
My loan was place in forbearance without me asking after 5+ hours on hold I finally get to a supervisor who removes the forbearance. I then ask why my loan payment increased XXXX $ when I was told it wouldn't I received three different letters in two weeks all with different repayment amounts. They inform me there is a known error in the SAVE recalculated payments. I was asked for my XXXX  tax information and I was informed my repayment should be about XXXX $ not $ XXXX. I was told that the recalculated amount wouldn't be ready for my XX/XX/XXXX payment and they could place me in forbearance again. I said no to forbearance if my new payment would be ready by the next payment due date. The date is coming up and the new payment amount isn't applied. I don't have time to waste a day on hold for Mohela to do their job. I paid the XXXX and will not do this 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 2023-10-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
went to open me a account and could not do it because they said i open one somewhere else but i never open a bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: CT
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 made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: WA
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 do not recognize any of the 19 delinquent accounts on my credit report listed under XXXX XXXX. Initially, I thought these may have been mine when I noticed all of my information attached to these accounts ; however, upon doing more research I quickly discovered that these accounts are not mine.These loans were all processed online and when I tried to dispute these loans to all three credit bureaus theyve come back as verified. When I tried to speak to a representative at the XXXX company these just told me it was their duty to report such information to the credit bureaus. Please have XXXX XXXX remove all 19x delinquent loans from all three of my credit reports from each bureau as I have been a victim of identity fraud. I have submitted a report with the FTC, for the maximum amount of accounts possible - 5x in total with XXXX XXXX. However, XXXX has hands down been the worst company to try and get this errors removed from 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 2023-10-24
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:
XX/XX/XXXX {$550.00} was automatically withdrawn from my personal checking for my monthly loan payment with Mohela. Then again on XX/XX/XXXX, another {$550.00} was withdrawn from my checking account. This led me to overdraft my account and incur a {$10.00} overdraft fee. 

I am scheduled to pay Mohela {$550.00} via XXXX XXXX on XX/XX/XXXX for my XXXX payment. I would like to ensure that I won't have this amount take out twice in XXXX and want reimbursement for the additional charge in XXXX. 

On several occasions I have attempted to call Mohela, but never received call backs after selecting that call back option or was hung up on. As a result, I sent a message via my online portal to Mohela on XX/XX/XXXX with not response. I sent another message today hoping for a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: SC
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 explanation
Consumer complaint received 2022-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ). I sent them out a letter stating that I want them to CEASE AND DESIST all communications with me through all mediums. I called three times and it was confirmed by three employees of PRA stating, that they put that letter in the system XX/XX/2022. So they are well aware of my cease and desist letter. I spoke to a young man name XXXX, identification # XXXX ON XX/XX/2022 at XXXX am. I asked him if he was on a recorded call and he said yes. I asked him why do portfolio recovery continue to contact me knowingly that they are violating the FDCPA. He didn't have an answer for me. I let him know that I have enough evidence to file a civil suit or further against them. I will be moving forward with that. The evidence that I uploaded shows the date that they sent me that letter which it states XX/XX/2022. They knew they were not supposed to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Hello XXXX Bank XXXX XXXX and XXXX pay me a Check of XXXX XXXX under supervision of Inspector General of United States XXXX Police ( XXXX ) Office of Inspector General United States XXXX Police XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX DC XXXX HOTLINE : Toll Free ( XXXX ) XXXX Email : XXXX But this is outside its jurisdiction and recommended me here.so please contact Chief Coordinator XXXX XXXX XXXX # : XXXX ( XXXX ) XXXX, email : XXXX XXXX XXXX XXXXXXXX XXXXXXXX of XXXX XXXX XXXX Tel # : XXXX ( XXXX ) XXXX and XXXXCcustomerservice XXXX ; it has demanded me more XXXX  but I run out of money I paid off XXXX processing fee and they said check will be linked with my account XXXX to XXXX XXXX. As all charged no fee for deposit a check. So help to resolve this matter to tell them to pay me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: IL
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 XXXX credit profile and I noticed there are 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 supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: MN
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:
1. I settled my XXXX XXXX account and it should be reporting as a XXXX balance. 
2. I filed a dispute with Equifax and within three days of the dispute Equifax reported the account as " verified '' with an outstanding debt of {$2500.00}. 
3. Either XXXX XXXX or Equifax failed to fully investigate the status of the account in a manner consistent with the FCRA. 
4. Either XXXX XXXX or Equifax has reported this account as closed on my consumer reports, but XXXX shows that the balance has been reported for 55 months as part of my credit utilization. 
5. Therefore, the credit bureau shows my utilization as 27 % while XXXX shows my credit utilization as 170 % due to the manner in which XXXX XXXX and/or the credit bureaus report the account through their internal systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: CA
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not allowing banks to pull my report, customer service says that there is no block and the account is open. But creditors still can not access the equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Information belongs to someone else

Complaint:
XXXX, EXPERIAN, XXXX IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. EXPERIAN. XXXX TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. EXPERIAN. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank for my checking account ( closed ) # XXXX received on XX/XX/2022 {$27.00} and {$120.00} electronic refund deposit from a vendor XXXX XXXX XXXX XXXX  in XXXX, AZ ). 

My old address was : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX 2 years ago ). 
My current address is : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX, AZ XXXX CHASE NEVER REFUNDED MY MONEY {$27.00} plus {$120.00} on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained a copy of my credit report in XXXX of 2022, I noticed inaccuracies and sent out disputes to said companies, it has now been 3 months and the debt has not been validated according to the FCRA, debt that is not verified or validated after 30 days is to removed from credit reports immediately. This company also calls me regularly for a debt that is not mine and it is at the point of harassment which I do not take lightly.

Company response to consumer: Closed with explanation