BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2020 I sent a letter addressing inaccurate things on my credit report and to this day over 60 days later I have not received a response from them. I believe that I am being taken advantage of by not having my dispute addressed. I did some research and understand that Section 611 ( a ) says that any failure to investigate items within 30 days gives a reason to immediately remove these items from my credit report, well it has been over 60 days so I believe they should be deleted promptly. 

As such, I am demanding that this account be deleted immediately or I will file for litigation because the stress this is causing me which is a culimnation of the Equifax Data Breach that I was already subject too having all my personal info and my family personal information in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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, AXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX IXXXX 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 2023-10-22
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:
In sum : Mohela account marked " past due '' before the 2-3 business days passed for payment clearance confirmation. 

I enrolled for auto debit for my federal consolidation loan managed by Mohela. I received confirmation stating my first payment may have to be done manually. On Mohela 's website it stated that payments processed in 2-3 business days. 

My payment was due XX/XX/23. I checked XX/XX/23, 1-2 business days later, just to be safe. My account said it was past due. I paid it immediately. 

There was no way for me to verify if my auto debit payment completed before my account became past due.

How am I expected to verify if the auto debit was successful after 2-3 business days after due date if I am marked " past due '' immediately? 

I see many other consumers are having the same problem. I attempted to call and the office was closed. I filed an online complaint with Mohela. With some forum searching I see many users are facing call holds of 3+ hours.

Please address this ASAP. I do not want my loans serviced by Mohela. Their practices are completely unacceptable.

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 2019-03-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX of America ( Chase Bank ) Auto Loan Account : REFUSAL TO REFUND EXCESS ACH PAYMENT On XX/XX/XXXX the final payment of {$560.00} for this loan was credited for a XXXX balance. Title has been released too. The money was taken from our checking on XX/XX/XXXX. On XX/XX/XXXX, 2 more payments were taken by Chase from our checking each for {$560.00} and only one was reversed that day, so we are still out {$560.00}. I have been trying since XX/XX/XXXX to get someone at Chase.com or the call center to act, resolve and refund. 

The standard answer is someone is reviewing and well get back to you. Its now almost 4 weeks since the error was made and many days since I was promised resolution and refund. Yet nothing from anyone Chase except a bunch of emails saying were sorry and a Chase email said dont write anymore -- we are not going to respond! 

Contacting to the call center is equally pointless. I made several calls : on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, and on XXXX XXXX promised refund on XXXX. On XXXX XXXX XXXX XXXX ext XXXX called and she said it is being elevated and I should check Secure Message for updates. On XXXX the date XXXX told me I was getting the refund I called and XXXX said its still open and elevated but no refund. 

On XX/XX/XXXX I again checked with XXXX XXXX and was told again " Payment services is working on it, there were systems errors and they can't refund until resolved. '' Chase suggested it was my banks error but since the transactions originated at Chase.com how is that possible? I have checked with my bank and was told nothing pending from Chase. 

I mailed a written letter to Chase Auto loans with documentation on XX/XX/XXXX and again no one has called, emailed or responded Calls/emails to XXXX of America get pushed back to Chase auto loan. Calls/emails to the local XXXX dealer ( XXXX XXXX ) where it bought it are ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Creditor Information XXXX XXXX, XXXX. 
XXXX XXXX XXXX, TX XXXX Balance {$4500.00} Account XXXX This account was closed in 2014 Now its been reopened by a Collection Agency that's I had no agreement with Account was issued to XXXX XXXX My legal name has always been XXXX XXXX XXXX I asked this be removed from my credit report ASAP Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Social Finance, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to the company and they advise me to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been unable to file a dispute with Equifax on their website. I will attach the image showing the error. I am currently on a phone call with Equifax and the representative told me to file the dispute online. I explained to him that I was unable to but he just kept repeating himself over and over and I asked to speak to a supervisor and he just put me on hold for 15 minutes and the line ended the call. ( XXXX XX/XX/21 14 minutes total call ) Phone call 2 - Asked first rep to transfer me to a supervisor right at the start. 6 minutes after 2nd phone call transferred to another rep and asked to speak to a supervisor again. I asked the representative for his name and he said he's not allowed to. The supervisor I'm speaking XXXX XXXX informed me they are required to provide a name and reference number. So employees working for Equifax are clearly not following the rules and I do not feel safe with my personal information. I continued the dispute with the supervisor XXXX is the dispute reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2021 I was 30 days past due on my XXXX XXXX XXXX also known as XXXX  card on my credit report. 
I called to explain that I was affected by XXXX  and had lost my job. I was receiving unemployment but in ended in XXXX of 2021 and a XXXX forbearance plan through my mortgage company ( attached document ). 
The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any XXXX  related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report.

It is affecting my personal life via my credit score to refinance my home now.

I have submitted a document as proof that I was on unemployment due to XXXX XXXX and that my claim expired the same month of the delinquency incident in XX/XX/2021.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2021-01-09
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I havent been charged Or convicted with any felonies or misdemeanors they have wrong information on search IDs XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


Also on XXXX I wasnt convicted of this so I shouldnt have this on my record while this one says pending This been preventing me from getting a new job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( Account name : XXXX XXXX XXXX XXXX ) ( Account name : 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 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 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 2022-04-27
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$75.00} XXXX XXXX XX/XX/XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX Equifax XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage to Planet Home Lending and refinanced with another bank. Planet Home Lending ( PHL ) sent me a check for the accumulated escrow for {$3900.00}. I deposited the check with my bank, XXXX  XXXX XXXX. XXXX had the check returned to them from PHL unpaid and the funds were withdrawn from my account. I contacted PHL and was told to submit the paperwork that XXXX had forwarded to me regarding the non honored check which I did email to them on XX/XX/2021. I keep being told that it is being looked into as to why the check was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I repeatedly requested XXXX ( former servicer ) to remove me from XXXX deferment on my loans. One loan ( XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for {$1900.00} ) was in deferment from XX/XX/XXXX until XX/XX/XXXX. I called XXXX on multiple occasions to inquire about getting started on repaying my loans on one of the XXXX plans so that I could start making progress toward PSLF. Their agents advised me that it was possible. They sent me a form. I filled this form out twice. I was employed by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). All the while, I was under the impression that my payment was {$0.00} due to the XXXX. I am now seeing that XXXX never honored my requests. I did what they asked me to do, but they did not do what they promised me they would do. I am harmed because, under the new provisions set forth by the XXXX XXXX XXXX I would be eligible for relief if XXXX had done its part. I did my part as the borrower. I paid on time and sent them the documentation they asked for. 

A complaint was submitted to the U.S. Dept. of Education on XX/XX/XXXX. 

MOHELA replied that they only had proof from XX/XX/XXXX, when I XXXX with my second XXXX XXXX. However, I asked XXXX to take me out of XXXX XXXX ( see attached ) when I XXXX with my first XXXX XXXX in 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 2022-04-27
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$600.00} XXXX XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
paid off the debt in full, did not take an " offer '', paid in full and the collection is still on my credit report. The collection needs 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 2023-06-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 10 Inquiries that I do not know about it did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I know nothing about these anchors and I would like for them to be removed. Please thank you

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