BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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:
Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from experian and 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 2020-09-15
Company: Experian Information Solutions Inc.
State: VA
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:
Yes, this was me disputing your non-compliance. So, I am sending it again so they can publish it on the government websites. I also am including a copy of my driver license and utility. That I have mail to you 5X but you keep reporting it been updated. I have also included a copy from the FTC. What I sent to XXXX XXXX XXXX about identity thief.I have been dealing with this issue for sometime. With Experian, XXXX  and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of XXXX XXXX last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will XXXX  you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX  requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX  deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is total XXXX all my check goes to my children for XXXX XXXX. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX  veteran.

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 2023-11-27
Company: MOHELA
State: IN
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:
I hope this message finds you well. I am writing to bring to your attention an issue I have encountered with my student loan account. Currently enrolled in the Save plan, I was surprised to discover that I had been automatically signed up for deferment without my knowledge or consent. Despite being on the Save plan with a zero payment, I noticed that interest is accruing daily on my total loan amount. This situation is perplexing to me, as my understanding is that the Save plan should waive it once the scheduled payment is done. I urgently seek clarification on this matter, as the interest on my account has been steadily increasing. I previously called and spoke to Mohela staff, but unfortunately, their responses were contradictory. One representative mentioned that the increased interest is due to existing interest and that that is only happening on that, citing a figure of {$360.00}, while another suggested it was because of deferment, which I explicitly did not request. I requested to remove that, and she said it would be 5 to 7 days, but the other person said 30 to 45 days. I find it alarming that the interest has risen from XXXX to XXXX in just one month, a rate that seems implausible even with a 10 percent interest rate ( my interest rate is 5.05 % ). I am concerned and would like to request an explanation for this discrepancy. Furthermore, despite my attempts to address this issue through phone calls again, I have been unsuccessful in reaching Mohela customer service. After being on hold for an hour, I was unable to connect with a representative. I request their prompt attention to this matter, an explanation for the unexpected deferment, and clarification on the daily interest accrual. I would also like to be answered in written format, as the customer service staff gave me misinformation. Additionally, I would appreciate your assistance in waiving the accrued interest, as I did not request nor authorize the deferment. Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and resolution. Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, two days prior to closing, I was informed that I was over the income limit for BBVA Compass ' Home Ownership Made Easier mortgage, and that the child support that I receive had been factored into my income. I was officially informed that my loan was denied on XX/XX/XXXX. 

At the beginning of the application process, my loan originator completed the loan application on my behalf, entering information based on questions she asked me via telephone. The initial disclosures and Uniform Residential Loan Application that I received electronically for e-signature only referenced my income from employment. That application did not and should not have included child support in the other income section, as I was never asked if I wanted to include it as income. Child support became a factor when my loan originator emailed me on XX/XX/XXXX asking for my Divorce Decree and subsequently, emailed me asking " Do you have the paperwork for the child support income? The divorce decree or court order for the child support? ". I replied providing documentation for both, not knowing that by supplying these requested documents, BBVA Compass would themselves decide to include the child support as income without asking me if I wanted to do so!

To date, I have spent over {$2000.00} related to this transaction. Some of those losses ( especially BBVA Compass ' fees of {$500.00} for an appraisal ) could have been avoided had BBVA Compass either not taken the liberty to include my child support as income without my consent or verifying my income-related documents to assess my eligibility much earlier in this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Student loan was taken in XXXX  : I have since moved out of state ; they are in violation of collecting on a '' XXXX '' debt. In addition, i have endured the pandemic, suffered a debilitating XXXX and am currently on disability-will probably be on for life. Please remove credit reporting from any reporting credit bureaus, currently reporting. to XXXX, i have disputed, but they did not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Scott Fetzer Financial Group Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 purchased a product door to door sell of the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX putting {$500.00} upfront and {$4300.00} financed through United Consumer Financial Services. On XX/XX/2020 I informed both the bank and company that I was cancelling the item. I sent an email with cancellation paperwork to the bank and a certified letter of cancellation through XXXX to XXXX XXXX XXXX XXXX on and before XX/XX/2020. I also spoke to XXXX the seller of product on XX/XX/2020 informing of cancellation and pickup of product. On XX/XX/2020 I received a letter stating my account was closed and cancelled. On XX/XX/2020 I received a call from XXXX at United Consumer Financial Services stating that my account was reopened without my consent or knowledge and I now have a past due balance of {$4300.00}. When talking to XXXX at the bank she informed my XXXX XXXX XXXX XXXX are not honoring my cancellation and therefore requested my account be reopened against my knowledge or consent. I've made more than 20 calls to XXXX XXXX XXXX XXXX and spoke to XXXX one time no one answers or returns calls. They are refusing to pick up the product as they have stated it is their responsibility to pick up their merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: NY
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've contacted Equifax more than 5 times to fix a problem with my Credit Report. The Credit Report are showing information for another person. There are combined information on the credit report such as the other 's person mortgage information, credit card information and personal information. Equifax told me to submit my personal documents to get it fixed and after almost a month, the problem hasn't been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1831 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: SUNTRUST BANKS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
It was a XXXX XXXX XXXX on XXXX and XXXX who initiated the opening of the account for Sun Trust. I thought with credentials, reputation I could trust him. He has all of my information Social security number, ID, address, work address, this person has all of my information. I was the one to find it strange and contacted Sun Trust bank and investigation report number they gave me XXXX XX/XX/2019. It was odd for me. Sun Trust was no where near NY. I asked this XXXX XXXX XXXX XXXX XXXX if you see issues going on and you know the situation why have you not contacted authorities to report what you initially started. If you are being monitored and hacked then why not report the issue if you are under investigation. I got no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: SYNCHRONY FINANCIAL
State: CA
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 Did Not Apply For this Credit Card, which has left an Hard Inquiry on 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 non-monetary relief
Consumer complaint received 2023-11-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX a fraudulent charge was made on my Citi XXXX card and I immediately notified them. There was a notification of a charge on XXXX on XXXX that I declined but there were 2 other charges that happened that I did not get an alert so could not decline. The next day I spoke to fraud department and and in the conversation I mentioned I still have the card which was a mistake on my part as I was referring another and not the one the fraud occurred that I had. I got a call from them asking me to open a police case which I did and gave that info back to them. When I followed back with them a week post that they said they have closed the case because I said I had the card. I corrected and they said they will reopen ( called twice and same answer ) but it did not and no communication from then on. Had a similar fraud happen on my XXXX XXXX  same day and they refunded. The investigator did not which was surprising and against what Citi says on protecting their customers

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 monetary relief
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I logged into my credit report to check the status of my credit to begin preparing to buy a new house for my family this year since we are XXXX  XXXX. I realized there is a fraudulent account on my report with Experian and XXXX  whereas XXXX  has already deleted the fraudulent item. I mailed a certified letter with proof of my identity and the affidavit as instructed. Experian shows this tracking number XXXX being delivered on XX/XX/2020 and XXXX  shows this tracking number XXXX being delivered on XX/XX/2020. I spent {$35.00} to mail these off urgently to rectify my credit. It is now XX/XX/2020 and I just logged into my credit report and the fraudulent items are still there. I am now filing a complaint as it has been more than 30 business days since each bureau received the dispute letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: Diversified Consultants, Inc.
State: MD
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 in the process of buying my first home. When I became aware of the Diversified Consultants / XXXX account for {$57.00} I paid it in full. 
Since then I began the mortgage process and was advised that because the account exists, paid or unpaid i wont be able to be approved. It seems that the existence of the account ON THE MORTGAGE side is costing me about 35 points. I contacted Diversified today and spoke to a rep and supervisor both of which told me that there was nothing that they can do, same as they told me before. The supervisor went on to explain that they dont even own the account which really got me to thinking Is it reasonable, that a collection agency, which doesnt even own a debt should keep me from being able to purchase a home for an account that is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
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: Account status incorrect

Complaint:
In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.

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 2023-11-28
Company: MOHELA
State: NC
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 grievance is with the loan servicer Mohela. I should be at XXXX payments of my loans this month ( XX/XX/2023 ), however I was placed in a random forced forbearance in beginning of XXXX. I waited on hold for XXXX XXXX hours to get the forbearance lifted. I was told that my XXXX payment ( already paid ) would retroactively count towards XXXX despite their mess up. XXXX forbearance was lifted. XXXX weeks after that I got a email stating that I missed my XXXX payment. I signed back in to find that Im again in forbearance until XX/XX/. My XXXX  count still shows only XXXX out of XXXX, but now also shows XXXX ineligible payment ( my XXXX payment ). I did not receive any letter, stating that interest does not accrue during this current forbearance, or that it will count towards XXXX. I actually got a letter stating that interest will continue to accrue during this time of forbearance, not mentioning anything about XXXX. It is almost impossible to get anyone who can actually help on the phone for XXXX reasons ; XXXX. It takes hours of holding to actually get anyone on the phone, and XXXX. Once they answer they are generally training so do not know how to help you. This is too time consuming for someone with a full time job. Irritatingly, different people you talk to give you different answers for the same question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I WAS SIGNED UP FOR SYNCB/BANANA REPUBLIC BANK CREDIT CARD FROM A BANANA REPUBLIC CLOTHES STORE EMPLOYEE ON THE DAY OF XXXX ON 2018 XX/XX/XXXX BY SAYING IT WAS A BANANA STORE MEMBERSHIP I NEITHER RECEIVED THE CREDIT CARD NOR USED IT AND I NEVER GOT A PHONE CALL OR AN EMAIL INTIMATION FROM THE COMPANY ABOUT THE LATE PAYMENTS OF THERE ISSUED CARD. I DIDN'T EVEN KNOW THAT A CREDIT CARD IS ISSUED IN MY NAME

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 2020-12-19
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: Investigation took more than 30 days

Complaint:
I am disputing incorrect accounts that are affecting 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 2020-12-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am disputing incorrect accounts that are affecting my credit report.

Company response to consumer: Closed with explanation