BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you in good health. I am writing to formally dispute and seek assistance in rectifying inaccuracies present in my credit report, which I believe violate established consumer protection laws. I kindly request the Consumer Financial Protection Bureau 's intervention in addressing these issues and ensuring that my rights as a consumer are upheld. 

I am deeply concerned about the following violations that have adversely impacted my credit report : Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Unauthorized Inquiry by XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Incorrect Account Information by XXXX Account Number : XXXX Violation : The account 's name and number are questionable. I urge for clarification or immediate removal from my credit report. 
These violations deeply resonate with me due to a personal experience that I feel compelled to share. In [ share personal story here ], I have experienced firsthand the far-reaching implications that inaccuracies in credit reporting can have on one 's life. The financial stress, emotional toll, and loss of opportunities I faced due to erroneous credit information left me feeling helpless and unfairly treated. This experience reaffirms the critical importance of accurate credit reporting and the necessity of consumer protection laws to prevent such situations from occurring. 

Given the gravity of these violations and the tangible impact they can have on individuals ' lives, I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal framework that safeguards consumers like myself. I kindly ask that you work diligently to ensure that the relevant creditors investigate and address these violations in accordance with the law. Specifically, I urge for the prompt removal of the unauthorized inquiries and the unverified account from my credit report. 

I appreciate your attention to this matter and the vital role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights. I look forward to your timely response and the resolution of these violations. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: BSI Financial Holdings, 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: Account status incorrect

Complaint:
I set up biweekly auto billpay with XXXX XXXX to deliver the checks to BSI Financial Services for each of my 2 loans, loan XXXX and loan XXXX it went well for many months, and suddenly in XXXX and XX/XX/2023 billpay checks were not delivered by the postal office, due to " undeliverable address ''. But the addresses are the same as before, and postal office resumed delivery in XXXX. When BSI customer service called me in XXXX about the delinquent payments, I paid all the past dues immediately. My intention is to always pay on time, that's why I set up auto pay to start with. The late payments were due to unexpected circumstances with postal office, it is not within my control and not at XXXX XXXX control. Attached please find XXXX XXXX evidence of payments made. I would like to beg BSI to withdraw the late payment report to credit agency, it made my credit score drop from XXXX in XX/XX/2023 to current XXXX. 

thank you very much for your great help! 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX, I paid my student loans in full through XXXX XXXX using Public Service Loan Forgiveness. I taught in Title I public schools for five years to be eligible. I have e-mails to that effect. XXXX XXXX no longer exists. 

Early this year ( XXXX ), I began receiving communications from MOHELA that my loan payments would soon resume. I attempted to contact them several times to inform them of their error, with no response. 

XX/XX/XXXX, I received a bill for {$57.00}, against a total amount of {$1600.00}. I again attempted to contact the company, and they were unable to locate any information regarding my debt. 

I reported their actions to the XXXX XXXX XXXX and took steps to contact a lawyer to defend myself from their fraudulent claims. 

Today, XX/XX/XXXX, I received another bill from them for {$57.00} and the " past due '' amount ( {$110.00} total. ) I also received notice from the XXXX XXXX XXXX that they claim to have contacted me about the matter and I am still not content with the resolution. 

They never contacted me, unless they consider a fraudulent bill an attempt to resolve the issue. 

If the company makes no attempt to contact me in earnest and I am unable to retain a lawyer in my area to handle the matter, my next steps will be to contact my state Attorney General and Senators.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving 3-4 phone calls a day from Southwest Credit from multiple phone numbers. I have answered a few times and asked them to stop calling as they are calling a business phone. I do not have any outstanding debts that need to be collected on. The phone calls have increased, and now they are calling at all times of the day. This is a violation of the FDCPA in which this company has called me well more than 7 times in a seven day period, calling before/after the the allotted times. This company is harassing and violating the FDCPA and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report from Experian and an unauthorized account from XXXX XXXX reporting in the amount of XXXX I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. EXPERIAN has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting EXPERIAN regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, Experian did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

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 2023-11-03
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am applied for a mortgage for a townhouse. The underwriters wouldn't accept Mohelas loan/mortgage verification letter for the SAVE plan I was on because it said " Next Tier Payment XX/XX/XXXX '' was {$860.00}. This is the standard 10 year repayment amount. The underwriters suggested I switch to standard level or graduated plan and request new letter. I did this on XX/XX/XXXX and was quoted 5-7 business days for processing. After that time passed, I called Mohela again and after hours on hold was told they " XXXX it overnight due to special circumstance ''. This never occured. I called back and was told " It might be three weeks ''. I called back and was told " Oh no, its 30-45 day minimum to change a plan ''. I have been conflicting, incorrect information on multiiple occasions and I will most likely lose out on the home and am in danger of losing my earnest money deposit. They did generate a " repayment estimate '' document but the lender will not accept it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THESE ACCOUNTS ARE NOT MY ACCOUNTS. THESE ARE FRAUDULENT ACCOUNTS PLEASE REMOVE THESE ACCOUNTS 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 2023-11-03
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My husband, XXXX XXXX, and I were in XXXX XX/XX/XXXX and the condition for staying at a discounted fee at XXXX XXXX was attending a timeshare presentation. It was high pressure and it turns out we were given fraudulent information. We signed for a time share with 3 credit cards opened for the down payment using my name, XXXX XXXX, and credit information. By the time we got back home I realized there was likely fraud and with XXXX and I tried to cancel the XXXX contract, which they refused, and I contacted all the credit cards ; XXXX, XXXX and XXXX XXXX XXXX to not follow through with the line of credit. XXXX and XXXX complied and XXXX XXXX XXXX  sent me a letter saying that they hoped to do business in the future if I changed my mind but went ahead and opened the credit for {$16000.00} anyway. With fees at the time of charge off : {$17000.00} I contacted them many times by phone and mail with a copy of the letter, attached, that states that they regret not doing business with me but look forward to doing business with me in the future if I change my mind. 
They continued to call and send mail trying to collect the debt from me. Eventually they sold the " debt '' to Midland Credit Management Inc who has been trying to collect since XXXX. Today I was served by the Sheriff with court papers here in XXXX XXXX XXXX. 
I live full time in XXXX XXXX  and pay taxes in XXXX XXXX. and XXXX  State. I stay part time with no current lease in XXXX XXXX XXXX  were I have a small non profit and am here sporadically and do have a XXXX  drivers license because I get discounted rates for my non profit but my main residence is in XXXX XXXX. 
In addition my husband has been notified that the XXXX timeshare is now under international investigation for fraud and we are party to it as victims of fraud. 
XXXX and Midland put this on my credit report but when I reported this along with the letter I have attached here to the credit bureaus the negative report was rescinded and my credit score today is XXXX  by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received a letter from Wells Fargo that my insurance had elapsed in XXXX. I contacted them that day and they said it was sent in error and to disregard. This same thing happened for 3 months I called and they said to disregard the letter each time. The 4th time when I contacted them again they acknowledged the previous calls but now realized it was the flood Insurance not homeowners. I said I would contact my insurance agent right away and have it put back in force which I did they then sent me a bill from the insurance company they own asking me to pay {$1600.00} for the 3 months which had already passed. I never heard of getting insurance for a period of time that had already passed. They told me each time I called that everything was fine but in a money grab they wanted me to pay the cost of a years worth of flood Insurance for 3 months lapse caused by them saying the letters were sent in error. This bank has a terrible reputation for ripping off consumers.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am submitting, once again, this CFPB Complaint to request to you to correct the information you report on the following account. When I checked my credit record, the previously disputed erroneous accounts are still reporting inaccurracies on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2021 Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$690.00}

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 non-monetary relief
Consumer complaint received 2023-11-03
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : { XXXX, XXXX, XXXX, AidAdvantage to include any other reporting agency! } Subject : Request for Removal of Student Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been XXXX by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my student loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of student education records. As my student loan debt information may fall under the purview of FERPA, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a student borrower.

2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from students before disclosing their education records. If my student loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly.

3. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of student records, I kindly request that you investigate the reporting of my student loan debt and take necessary actions to ensure that my rights under FERPA are upheld.

I request that the Consumer Financial Protection Bureau review the reporting of my student loan debt in light of FERPA and take appropriate measures to address any potential violations of the law.

Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required.

I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed. 

Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
At the purchase of this car and subsequent loan on XX/XX/2022, I was promised repairs that did not happen, twice. At the test drive there was pulling at the steering wheel and a jerk when you accelerate. 

The salesman said they can fix these issues because it still has to go through servicing and it could been done then. I waited 4 weeks and was called to pick up my car. During those four weeks I was contacted by the loan company and I let them know I did not have possession of the car and it was being repaired. I asked the dealership when the car was to be ready and for my contract paperwork and disclosures. They kept telling me in a few days and to tell the lender I had the car since it was already paid for. Naively I did yet no repairs were made in those 4 weeks. 

I was called to pick the car up in XXXX and I immediately called back to tell them the issues were still the same nothing had been fixed. They told me to drive back another hour the next day to bring the car back. I did and the car sat for another month and I was finally called and told that I would need to go to a XXXX dealership and use my warranty for the repairs I was promised at the purchase! 

I as very frustrated at this point because it was my first car and I paid {$22000.00} and {$5000.00} down to make sure my family had reliable transportation. So I contacted their corporate office and received a call from a manager to come in and exchange the car. When I came back, again, I looked at a car I loved, credit was ran, again, and I sat and waited to be helped. I arrived around XXXX XXXX and sat there until XXXX. Salesman started to leave for the day. I had my family of XXXX with me so we stepped outside to let the restless children run around. The manager came out to ask if we needed something or had been helped. I explained to him and he told me I was upside down and they couldnt do anything. That was it. After all of that, he told me nothing could be done. 

Additionally, no disclosures were sent to me. According to the truth in lending act I should have 2 copies of disclosures sent to me after purchase to know my rights. 

The dealership fraudulently secured my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of america is not sending payment to the merchants and they were made that their responsibility. I have the proof my credit score will not be affected by this.

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