BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: MOHELA
State: TX
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:
Mohela, as the federal student loan servicing contractor, essentially scammed me. Their staff encouraged me in XX/XX/2022 to request a refund of my XXXX forbearance payments made to the prior loan servicer, promising me the US Treasury would refund me approximately {$15000.00} in total. However, that never was requested of the Treasury, or Mohela prevented the refunds from being made. Either the request to make the refunds was not sent to the Treasury, or Mohela misrepresented their intent, and changed my zip code from a Texas zip code to a DC area zip code, as they later claimed the Treasury issued me a check for about half the total, but it was returned due to an incorrect address. My address was correct up until that time, but someone changed the Texas address to a DC zip code in ED records. After taking some time to correct that, no action has occurred, and I keep being told that refunds will be requested. In the interim, Mohela processed a loan consolidation request I made months later, and processed the new loan as if I had received the full amount of the refunds. So, the consolidation loan total is over {$30000.00} instead of close to {$15000.00}, which was the remaining balance after the forbearance payments. Mohela has committed fraud and theft by essentially promising the refunds, acting like they were made prior to consolidating the loans, and somewhere pocketing the approximately {$15000.00} I already paid. I did tell Mohela that instead of the refunds, they could just correctly make the consolidated loan balance around the {$15000.00} total loan balance it was before the consolidation was processed, but they have refused. So, I have made about {$15000.00} in education loan payments that have just vanished into thin air.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Consider this as a follow-up to my prior complaint on XX/XX/XXXX. There are items in my credit file that are erroneous and needed attention. please block or remove these items in my file : 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 XX/XX/XXXX The addresses listed are not my home address, The account is inaccurate and fraudulent. Im seeking Litigation. The inquiries are unauthorized and fraudulent. Please delete the items at once.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

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.

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 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 2022-06-03
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I called Hyundai in XXXX oklahoma several times to cancel the extended warranty I had bought. No one would ever contact me back. I drove to XXXX in XXXX and filled out information with then and she said she would get back to me on the refund. It would first go to hyundai motor finance If I was behind to catch me up but if the account was current I would receive a check. I have not heard from them since and it's been over the XXXX weeks for processing.

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 2022-08-15
Company: Kimball, Tirey & St. John LLP
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:
There is a company Kimball Tirey & John. whom is reporting a collection on my credit reports XXXX XXXX, XXXX, and XXXX is not removing this account in the amount of {$13000.00} i did not open this account the account was open fraudulently i reported this to the company i filed a police report and a FTC report and sent copies of the reports to this company they are refusing to remove this account from my credit report and are violating the fair credit reporting act. 

This negative account on my credit report is preventing me from getting a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account numberXXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number:XXXX has violated my rights. Or 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 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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
TRANSUNION, BY PHONE AND ON LINE HAS MADE IN NEARLY IMPOSSIBLE TO FREEZE CREDIT REPORTS ( INCIDENT INVOLVING LOST SS CARD ) IT'S GO HERE, CALL THIS, THAN SORRY CAN'T HELP. TZHIS IS A FREE SURVICEMSO THEY ARE NOT BREAKING THIER # # # #. WE WERE SUCESSFUL WITH THE OTHER TWO AGENDIES. ZERO WITH TEANS.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX XXXX XXXXt # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 : Also states a consumer reporting agency can not furnish 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 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 2022-06-03
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX. On XX/XX/XXXX i called fair housing to make a complaint about my uninhabitable living conditions to XXXX XXXX. On XX/XX/XXXX i received a XXXX notice in my upstairs neighbors name with my correct address on it. On XX/XX/XXXX i received a 60-day notice to vacate. On XX/XX/XXXX i gave the on-site manager XXXX in writing my 30-day notice to vacate. On XX/XX/XXXX i vacated the property and returned all keys and possession. 3 months later i received a letter in the mail saying i owe KIMBALL TIREY & ST. JOHN XXXX. I later found out they charged me rent for the month of XXXX where i no longer resided. An unlawful detainer was filed against me after i moved out, so i didn't get any of the court paper work sent to the XXXX address. The unlawful detainer was dismissed and sealed in the court of law. KIMBALL TIREY & ST. JOHN has been reporting this fraudulent negative remark to my credit report going on 4 years. Back in XXXX of XXXX i spoke with a lady named XXXX who works for KIMBALL TIREY & ST. JOHN. She told me why i was charged for the month of XXXX. According to XXXX she said i didn't give a 30-day notice to vacate. I told her i did and she was going to check my file and get back to me but never did. I also never got my got my portion of the deposit back. Through out the years i have sent numerous Validation letters to KIMBALL TIREY & ST. JOHN to validate this alleged debt I never received a response, just more debt letters from them. This is a violation of my fair credit reporting act. I believe this was an act of retaliation because i called fair housing on the property management XXXX XXXX XXXX XXXX Also the on-site manager XXXX and I AS well her boss XXXX didn't see eye to eye. i have copies and proof i turned off all my utilities and the court dismissed letters i sent to KIMBALL TIREY & ST. JOHN regarding this matter. i wasn't properly served a 3-day notice in my name. The on-site manager XXXX has made numerous mistakes giving out 3-day notices i have those copies as well. On XX/XX/XXXX2022 KIMBALL TIREY & ST JOHN reported to my XXXX credit report a new account for the amount {$1000.00} and now i have 2 of the same accounts on my XXXX report with the same alleged amount but different opening dates, which is fraud. I have been disputing this alleged debt to the credit bureaus every month of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Ameritech Financial
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In XX/XX/2016, The company XXXX XXXX  XXXX called me representing themselves a XXXXXXXX XXXX XXXX XXXX. They advised me the would could reduce the amount of the loan through a new program offered by student loan service. During the phone conversation on XX/XX/2016, I was unsure of the legitimacy of the company, as I was online at student loans website and saw no reference to the company. I STOPPED the application process. I advised them on the recorded conversation that I wanted nothing to do with company, and that I had not completely fill out their contracts. 

I contact XXXX XXXX  and verified what happened during the Ameritech conversation. Student loans advised they nothing to do with the company and received several complaints to that fact. I advised I stop the application process, and my account should be affected. On XX/XX/2016, I Voided the contract. 

XX/XX/2016, I started receiving emails requesting the documentation be completed. I contacted Ameritech Financial and advised there was no contract with and I wished not to participate as stated in XX/XX/2016. 

A few month goes by, and I was still receiving requests from Ameritech Financial to finish the application process. I decided to check my credit report as I was looking for employment and wondering why I was being denied interviews after a background check process. 

I found that my XXXX XXXX  had been refinanced from several loan amounts, to one huge loan amount of {$56000.00}. I contacted student loan services who advised to call Ameritech, as XXXX XXXX could no longer assist. 

I called Ameritech several times to be advised there is nothing Ameritech could assist with. I called back requested a manager and told them the manager there is no contract and I request to stop the application process during the offer to me, be brushed off. 

I have an insurance license, I was unable to procure employment based on my credit report being XXXX. I refused to pay the company as they consolidated my loans with out my full expressed consent. 

I have attached screen shots to show my loans which were individualized, shows refinanced and switched for a period of 5 to 6 months, and requesting payment. I also included the contract, some emails showing I requested to cancel all documents and proceeding, and the report showing the damage to my personal character. 

The adjustment made to my student loans are egregious. I received a class action law sue noticed and truly believe the advertising and presentation of the company were misleading and of unfair practices.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. XXXX was the only one that didn't charge. XXXX and Transunion wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past.

Thanks for taking my complaint. 
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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-12-15
Company: EQUIFAX, INC.
State: OH
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 submitted disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. My information was compromised by equifax breach in XXXX and XXXX breach in XXXXMy information has been handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections have a big impact on my credit score and need removed.I request proof of debt.And request removal because all 3 credit agencies are not reporting same accounts time, accounts information, or acount debts Information reported must be accurate. 

XXXX Reported : XXXX XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Agency have take too long to conduct their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 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 or 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 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This complaint is my follow-up request in line with my previous complaint last XX/XX/2023, the items I am disputing must be removed or blocked in my file to prevent further more damage to my credit report. Here are the items mentioned : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} The addresses listed above are not my current address, These accounts are inaccurate and fraudulent. Im seeking Litigation. 
Please delete them at once.

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