BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
I have recently taken the time to look over my credit reports and noticed that my natural rights as a consumer has been violated in many ways by the XXXX XXXX XXXX, Equifax and XXXX. I have tried a numerous amount of times to contact them to handle these issues and make them alert that I am aware of the violations that they have and are doing. First of all I never gave them permission to furnish ANY of my personal information on the consumer report which is a violation of 15 USC 1681b PERMISSIBLE PURPOSE OF A CONSUMER REPORT. No consent is in fact Identity theft which I am already a victim to!. Also, I would like to use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Equifax, XXXX or XXXX through arbitration. I REJECT the arbitration clause in the interactive service agreement so please take note! Another violation that I have noticed is the great deal of inquiries that DO NOT BELONG TO ME! I am very responsible and that clearly seems that someone was trying to use my credit to get things not ME! I HAVE ALSO NOTICED LATE PAYMENTS which is a violation of 15 USC 1681s-3. consumer reports should not contain information solely as to transactions or experiences between the consumer and the person making the report so all accounts that include late payments need to be removed immediately as I have already started legal action to gain compensation for defamation of character, negligent enablement of identity fraud, Fair Debt Collections Practices Act 15 USC 1692g violations and Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
contact by freedom mortgage to move my arm to a fixed rate. 
set the closing like 2 weeks later so on XXXX supposed to close the loan. 
on the day of closing title company calls me and says they docs are not done. 
they are trying to get them done. meeting was at XXXX. 
I had a funeral to attend, so i agreed to meet at XXXX XXXX. 
left funeral early and XXXX XXXX  title company calls and says they still do not have it done. 

had 3 different closing statements go from them owning me money, to me owning money to XXXX. And when questioning mortgage company, they said it was escrow. when the truth was they calculated interest wrong. So call complain and even send email to ceo, asking if his people are really this bad. Talk to them and set it up for thurday to close on it XXXX they call back and say they have to rescheduled it again and tell me if i do not close within the time, then rates and all are null and void. 

So it was scheduled on XXXX and guess what, title company calls at XXXX on XXXX and says they are on there way to close, hour later get a call he decided i need to call him to confirm at XXXX for a XXXX XXXX  call. Was working and unable to call till XXXX. 
So he can not make the XXXX call and gave hiim to XXXX to get here. 

Says can not do it. and reschuled again. 


All of these problems are not my fault.

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 2023-11-20
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted an income driven repayment plan to MOHELA ( student loan servicer ) via government student loan website with 1 month forbearance. on XX/XX/XXXX. When I tried to contact MOHELA the hold wait time is 2 hours with a dead-end call. Additionally, my account as of XX/XX/XXXXXXXX  shows that Undue interest is accruing. I am in a Grace period granted through forbearance under the SAVE plan. No interest charges apply to my account. 
My account currently has no payment plan and undue interest charges. 
I simply want to be placed in SAVE plan with proper payment schedule. 
Respectfully, Worried student loan client

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 any account 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 block/remove these files. If you feel there is a possibility these accounts 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 item is 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. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: Carvana Group, LLC
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I filed a complaint with the XXXX & in CARVANA response they lied & unfortunately I couldn't respond in full because in the limited amounts of letters that I could use. The following is my complaint, furthermore CARVANA states that my XXXX CREDIT SCORE is OVER XXXX LESS POINTS THAN WHAT IT ACTUALLY IS. 

I started with selling my car & at the end of the process I was told that I had to drive 9 1/2 hours for CARVANA to pick up my vehicle, AT NOT TIME during the selling process did it clearly state on the website or when I spoke to NUMEROUS representative that I needed to meet CARVANA in XXXX XXXX, ID. When trying to purchase a vehicle it was an experience I wouldn't wish on my worst XXXX. I spent approximately 10+ hours on the phone & 3 hours texting in a 7 day period. I asked to speak to a SUPERVISOR 7 TIMES & was denied 7 TIMES. I was told in that same 7 day period by 5 different representative 's that they were going to call me back & never did. The final straw was when a representative ( her name started with a V ) STATED " I WILL CALL YOU TOMORROW MORNING & HELP YOU FINISH TRADING YOUR VEHICLE & PURCHASING THE XXXX XXXX ''. I waited all morning, afternoon, & night & she never called. Customer service was terrible & unprofessional. Do business in your community.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit file has been locked on ALL XXXX Credit Bureaus due to my information found on the Dark Web and several company breaches ( SSN, Drivers License, DOB everything has been stolen ). On XX/XX/XXXX, I unlocked my credit on Experian website to apply for a credit card and I requested it to be relocked the following day, XX/XX/XXXX. Today while monitoring my XXXX XXXX account for unauthorized charges, I noticed a pending charge of {$27.00} from Experian, I immediately log into my FREE Experian account to see what the charge was for, it was was their membership, which I DID NOT authorize. I immediately cancelled this SCAM membership. While exploring the membership, I noticed Experian signed me up for this SCAM because it said my account was locked on XX/XX/XXXX. Apparently when I request to relock it, they charged me for it. WTH! I DID NOT AUTHORIZE EXPERIAN, WHO ACCESSED MY CREDIT CARD FROM MY REPORT WITHOUT MY CONSENT. I HAD A FREE MEMBERSHIP AND I DO NOT USE ACTUAL MY CAPITAL XXXX CARD NUMBER ONLINE, I USE VERTIAL CARD NUMBERS TO PREVENT UNAUTHORIZED CHARGES. EXPERIAN TOOK IT UPON XXXX TO SELECT THIS CARD FROM MY REPORT AND CHARGE ME FOR THIS MEMBERSHIP, THIS IS THE ONLY REASONABLE EXPLANATION AS TO HOW THEY WERE ABLE TO GET ACCESS TO THIS CARD. NOT ONLY THAT, WHILE EXPLORING THIS SCAM MEMBERSHIP WHICH COMSUMERS ARE APPARENTLY SUPPOSE TO VIEW ALL XXXX CREDIT XXXX SCORES, WELL, MY XXXX AND XXXX XXXX SCORES WERE FROM XXXX. SCAM! I DONT NEED TO PAY A MEMBERSHIP TO VIEW MY XXXX SCORES BECAUSE I RECEIVE A FREE XXXX SCORE FROM EXPERIAN AND I RECIEVE A FREE TRANSUNTION XXXX SCORE FROM MY DISCOVERY CREDIT CARD. I ALREADY PAY A MONTHLY FEE TO A CREDIT MONITORING COMPANY TO MONITOR MY CREDIT, DARK WEB, BANK ACCOUNTS, CREDIT CARD AND I RECEIVE FREE COMPLIMENTARY CREDIT MONITORING FROM EXPERIAN DUE TO EXPOSURE OF MY PERSONAL INFORMATION, SO WHY WOULD I CHOOSE TO PAY AN ADDITION {$27.00}. EXPERIAN SITE IS A SCAM AND MISUSES CONSUMERS CREDIT CARD, AT LEAST MINE, WITHOUT CONSENT FOR THEIR OWN BENEFIT. EXPERIAN NEEDS TO REFUND MY {$27.00} AND REMOVE MY CREDIT CARD FROM THEIR STORED SERVER OR WHEREEVER! IF THEIR SITE IS HACKED MY CREDIT CARD WILL BE STOLEN AND EXPOSED ON THE DARK WEB. WHO DOES EXPERIAN THINK THEY ARE!!!! I CANT BELIEVE THEY STOLE MY CREDIT CARD, THIS SHOULD BE A CRIME. I DIDNT PAY TO LOCK MY CREDIT SO WHY THE HECK WOULD YOU CHARGE ME {$27.00} TO LOCK IT BACK? I HAVE UNLOCKED AND RELOCKED BEFOR AND WASN'T CHARGED OR MY CREDIT CARD STOLEN TO LOCK IT BACK.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticend an incorrect and unauthorized item appeared in my 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 2022-07-05
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/2022 I filled a complaint with XXXX, Equifax and XXXX about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than Equifax or XXXX. Equifax and XXXX both send me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX I sent the following information to Transunion. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. XXXX removed last month on this same dispute however Transunion still sends back verified or updated. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like thie request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts are first reported by DEPT OF ED / XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and then also reported by US DEPT OF EDUCATION account numbers of XXXX , XXXX , XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into four new accounts first reported as DEPT OF ED / XXXX account numbers XXXX and XXXX and then also as DEPARTMENT OF EDUCATION/XXXX/XXXX account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am following up on a previous dispute that was filed XXXX in which I requested that a account listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( 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. I know that under 15 U.S. Code 1681i ( a ) ( 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. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 2024-01-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account is incorrect

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 2023-06-12
Company: EQUIFAX, INC.
State: OH
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:
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX and multiple other XXXX accounts has 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 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 seven 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. 

I have tried numerous times to resolve this issue to no avail. XXXX has violated FCRA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: GA
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-06-16
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is the 4th or 5th complaint I've been required to file around the PSLF program. The most current issue is that despite having received a document directly from FedLoan in XXXX with verification that all 120 qualifying payments had been made for the PSLF program and having qualifying employment, my PSLF approval continues to be delayed for no clear reason. My most recent attempt at getting approval began XX/XX/XXXX when I applied then received a message from XXXX on XX/XX/XXXX stating they didn't like my electronic signature so that same day I provided them with a new signature on the PSLF application. I received a message two weeks later XX/XX/XXXX from FedLoan again stating that they've received my PSLF application. Months passed and I heard nothing so I contacted FedLoan customer service on XX/XX/XXXX and inquired on the status of my PSLF application and expressed confusion over why it was taking so long to process when I had completed my 120 qualifying payments back in XX/XX/XXXX and FedLoan had already provided me with documentation of this. The FedLoan customer service staff told me that my PSLF application ''had been approved just that day and the letter was so hot off the press she couldn't even access it to read it ''. She stated that it was ''mailed out that day ''. I confirmed several times with her that it had been approved and she stated that the only reason '' FedLoan was unable to make the loan balance zero right now was that they needed Department of Education Approval first. '' Although this was a strange explanation and a literal ''check is in the mail '' response, I had no choice but to accept what information was provided. It's now been 10 days and I've received nothing, either electronic or paper on the status of my PSLF application. I should've been done with all of this in XX/XX/XXXX but here we are in XX/XX/XXXX still having everything drug out with zero explanation for why FedLoan continues to delay my PSLF.

Company response to consumer: Closed with explanation