BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MI
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:
I believe my information might have got into the wrong hands and I do not recognize this inquiry or account I dont have anything with XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reached out to XXXX XXXXXXXX XXXX, Transunion, XXXX, and XXXX about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
AMEX has fraudulently failed to waive its annual fee for me, an XXXX XXXX XXXX, after promising no annual fee for all military members. Since then, AMEX has strung me along with 30-60 day " investigations '' into my XXXX status. 

I commissioned in the XXXX XXXX in XX/XX/XXXX. I entered full-time XXXX XXXX in XX/XX/XXXX. American Express represents that XXXX military members may obtain a Platinum card with no annual fee. Indicating my XXXX status, I applied for and received a Platinum card in XX/XX/XXXX. In XX/XX/XXXX, I noticed that AMEX had charged me a {$690.00} annual membership fee. Looking back, I found that they had charged me {$690.00} in XX/XX/XXXX as well. 

I began inquiring with AMEX regarding why I was twice charged an inapplicable fee, I received letters saying I was ineligible for " MLA '' and " SCRA '' benefits, and they assured me they would investigate, providing a window of 30-60 days for resolution. Multiple " investigations '' were conducted, each time after 30-60 days concluding that " after checking the DoD database, I was ineligible '' or not on XXXX XXXX. 

This process has continued throughout XXXX, each time AMEX assuring me that they are investigating and finding no information from the DoD. From XXXX XXXX, I have additionally provided AMEX both ( 1 ) my XXXX XXXX orders and ( 2 ) verification of my XXXX  status from the DoD Manpower Data Center XXXX On XX/XX/XXXX, after I provided that documentation, I was assured my case had been " elevated '' and that I would hear back in 10-14 days. After hearing nothing for nearly a month, I called AMEX on XX/XX/XXXX and was informed that there was no difference between a normal case and an " escalated case '' and that I would ( again ) hear back in 30-60 days. In the meantime, I was advised by AMEX to " tell my superiors to verify that I am on XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX i sent a letter to the company requesting the methods used to verify the said items on my credit and currently seems to ignore my request. I was recently looking to purchase a house so want this issue resolved as soon as possible

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-12
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:
I am currently part of the Public Service Loan Forgiveness program. As part of that program, I have to submit proof I worked for an eligible non-profit employer during the dates of my loan repayment. Once I have made 120 payments, my loans are forgiven. 

I have worked with Mohela for XXXX years to update my eligible payments and employment. I currently have employment from XX/XX/XXXX through XX/XX/XXXX that has been certified and is eligible for the PSLF program. However, those 11 months have failed to be counted- even though Mohela has put, in writing, in XX/XX/XXXX that they know those months should count but that they do not know when the count will be added to my total. 

I initially consolidated my loans with Mohela in fall XXXX. I waited another year to have my eligible counts updated after submitted proof of all my eligible employment. I called XX/XX/XXXX to have this issue addressed. At that time Mohela installed a XXXX review on my account ( # XXXX ) to fix the missed payment counts and asked me to call back in 30 days to check the status. 

I called back XX/XX/XXXX and Mohela indicated my XXXX review was on hold until XXXX reviewed the dates and added my request to their batch approval. 

I called back XX/XX/XXXX. At that time, Mohela installed an additional XXXX review ( # XXXX ) of my account. They initiated XXXX would need to conduct an additional review. in XXXX XXXX  XXXX Mohela also sent me a message, in writing, that they know my payments for the months of XXXX should count but they were waiting on XXXX to update their system. 

As of XX/XX/XXXX no forward progress has been made. I have submitted an additional employer certification form to provide proof of eligible employment and have asked that my account be placed in administrative forbearance until these months are added to my total. The missing months will push my account over the XXXX payments required for forgiveness. 

Payments resume in the next few weeks and I have waited for a resolution to this for over 2 years. I need additional assistance in making sure this is addressed asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I didnt have enough money on my card to rent a car. I added {$500.00} to my card at the airport to rent a vehicle. After two hours the the money wasnt on my card balance so I canceled the transaction. Capital One on Monday added the {$500.00} to my balance and now I paying back the money to Capital One but I never got benefit of my money. When I canceled the transaction my money went back into my XXXX  account Capital One is charging me {$500.00} as if I used {$500.00} of credit on my card. I never got benefit of my money. They didnt give me {$500.00} nor did I use my card to get money from them. They charged me money for canceling a transaction and added {$500.00} to my balance sent my account over my limit, and are making me pay for my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Goal Structured Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I enrolled in a XXXX XXXX  class through a private lender XXXX. I became delinquent in paying my monthly payments and it was submitted to a third party collection - XXXX XXXX. I agreed to a six month payment plan of {$310.00} with XXXX XXXX to pay account off, which I have since XX/XX/XXXX until current. I have one last payment in XXXX, however, Launch isn't reporting my on time payments accurately to the credit reporting agencies. Launch is reporting that I am 13 months behind, when my delinquency began in XX/XX/XXXX and my on time payments started XXXX XXXX until current. Launch reps stated that for each on time payment posted, that payment goes towards the months that I was behind. But it would never show any current on time payment, because technically the account is still behind. This reporting practice has drastically effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXXXXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX & Wellsfargo. WEllsfargo worked with other shareholders of my company to keep me off a PPP loan now I can't even apply for one on my own for my own personal companies. I also can not apply in compliance with Reg B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Professional Credit Management, Inc
State: MS
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 had about 7 medical bills all with the same company for testing. After disputing some of the charges they were sent to a company called Professional Credit Management which a debt collector out of XXXX, Arkansas. I contacted this creditor on numerous occasions. I was told by several representatives that my paid accounts would be removed from my credit report but they would not remove them until they were all paid in full. Well I have paid ever single account. When I noticed the accounts were not being removed from my credit reports I contacted PCM via phone and mail. I was told that by a female representative that they would not be removing my paid accounts. When I advised her that I was told they would be removed she said the person was new and did not understand how PCM does business. The representative refused to provide me her name or reference number. She then called me a " XXXX '' and told me to " pay my XXXX bills on time next time. '' When I tried to call back to speak with a manager, PCM blocked my phone number and will not accept a call from me. When I call from another number and I tell them who I am, they place me on hold without ever picking back up. I am asking for help. I am a consumer that has been taken advantage of and treated poorly. I can provide proof of payment on all accounts and also a copy of the letter that I received from PCM in reference to deleting paid accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-22
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: Account information incorrect

Complaint:
Good morning CFPS I was going over my credit report and notice alot of errors In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Names : # List errors Accts : 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, Also fraudulent inquiries All listed Accounts/Companies have violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : lt also states a consumer reporting agency can not furnish an 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 inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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:
Accounts are listed on my consumer report are invalid. Please see the attached for complete arbitration details.

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 2023-07-12
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: Their investigation did not fix an error on your report

Complaint:
I have made a dispute with Transunion on XX/XX/23 for fraudulent credit card creation from XXXX XXXX that I have absolutely no knowledge of that I found on my credit report. I found out on XX/XX/23 that my dispute of fraud credit card got denied, so I got on the phone with a Transunion agent to file another dispute, and found out on XX/XX/23 again that my dispute got denied. I got on the phone again today XX/XX/23 to file a dispute about this, but I am afraid if it keeps going on like this, Transunion will reject my dispute again and I am going to be in a loop of constantly filing dispute and over-time, my credit will falsely be harmed, because there is already a charge of $ XXXX on that card and it is under my credit.

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 2023-01-13
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:
they DON'T REMOVE NOTHING OR SHOW ANYTHING THATS 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 2022-12-12
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX

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 2021-09-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to resolved this matter with the bank among other things. I offered to do a short pay off. I have submitted all documents necessary and asked for the bank to do an appraisal. I have requested the amount and copy of the appraisal and I have yet to receive this information as of date. The bank did not want to do a short pay off with no explanation. I also offered a deed in lieu. The bank ordered a title search on the property, and after approximately 4 years ( if memory serves me correctly ), I was told there is a lien on the property. The bank refuse to tell me who holds the lien. Therefore, I am unable to resolve the lien and turn the property over to the bank.

The lender has not cooperated and this process has been going on with the bank for over 11 years. This is the second foreclosure that the bank has initiated, first one was initiated in 2009.

I did not file for bankruptcy nor have I filed an answer to the complaint to delay the proceeding. I just do not want a foreclosure to be on my record and the bank continuously refuses to mitigate the problem. I am still open to raise money to satisfy the debt according to a current appraisal on an as is value or as an alternative surrender the property with a deed in lieu. I believe the bank may have a problem with standing and that is why there are continuing with the foreclosure. They lack standing and they are trying to acquire the title to the property through a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation