BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Hello, I was applying for a HELOC with M & T Bank. I repeatedly asked for details of the loan and was not told of the interest rate or even given a copy of the loan documents until the notary came to my house with a copy. I was supposed to read over 100 pages at signing? 
Complete scam. Loan originator stated there are couple hundred dollars in fees and all of as sudden there was over XXXX in closing costs. I ended up not signing the documents. I gave them all my financial information, they came to my house and did an appraisal which i requested a copy and they did not provide. I repeatedly asked for the loan documents through out the process so i can review them and they said i was not able to obtain a copy, yet the notary had one? 
I asked for a copy of the appraisal and made a request and was never given that either. They even made me change my insurance to cover them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per the FCRA, I XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time. 
The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies.

Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report. 
I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all XXXX of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, 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 2023-12-29
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:
Mohela placed me on administrative forbearance while they processed my XXXX application. They have not processed my application in a timely manner and have now placed me back into a XXXX year repayment. They need to rectify this situation prior to XXXX billing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: JPMORGAN CHASE & CO.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife and I were contacted by Chase probably about XX/XX/2023, or so. They noticed two charges from XXXX that were suspicious, and asked if we had made them. We had not. When looking at our purchases online we noticed an earlier charge from the same place. it was from XX/XX/XXXX, and apparently their software had not flagged that one. We also highlighted that charge. That charge was for XXXX. They then issued new credit cards and took all 3 charges off of our account. We had to look up what agoda.com was. We have never dealt with them. 3 or 4 week later the charge they missed came back on our card, with no notice to us. I did notice it, and have spent a couple hours on the phone with many chase people to get it removed. They claim they did an investigation and it is a valid charge. They did not investigate the other twXXXX charges from the same place. Apparently since their software missed the 1st fraudulent charge either Chase pays for it, or we pay for it. They already allowed the charge. They have chosen to stick us with the bill instead of paying it themselves. During my hours on the phone with them I found it it is for some vacation place in XXXX. We have never been to XXXX. Chase claims to have done an investigation, during which they never talked to either me or my wife. No one in chase seems to be able to take the charge off. Some mysterious investigation group we can not talk to has to do that. I wonder if whenever they miss a fraudulent charge, they stick the consumer rather than paying for this mistake. It is hard for an individual to fight a large corporation. We would be very happy to talk to someone and provide more information. Please help prevent Chase from stealing almost {$2000.00} from us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29
Company: MOHELA
State: PA
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:
XXXX called and got a lower monthly payment. The payment was supposed to be {$290.00}. 

XXXX made first payment of {$290.00} XXXX mohela servicer took {$760.00} of bank account without warning XX/XX/23 called and asked why this amount came out without my knowledge or permission. The XXXX XXXX hung up on us because she didnt want to deal with us. The XXXX XXXX helped us and told us to resubmit for the lower payment then disbute the charge with the bank because they couldnt refund the {$760.00}. The bank froze all my bank accounts and now I cant access anything because mohela took money out they were not permitted too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried many, many times to get in touch with Mohela to ask questions about how they have my XXXX loans documented on their website. 

I can never get through to them. Their hold times are impossibly long, and they do not reply to messages, despite saying any message will be replied to in XXXX business days. 

If Mohela can't handle the volume of phone calls or messages, they should not be in this business! 

I need information about my loans. I pay on time, and I need to know everything is being accounted for correctly. It is impossible getting in touch with Mohela!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IL
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:
There are inquiries on my credit report that were not authorized by me. I do not own a car, nor have I been searching for one. These inquiries appear to be from auto finance companies. I sent dispute letters to both Equifax and XXXX, that are in compliance with credit reporting laws. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IL
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 pulled my credit report and noticed several non-mailable addresses. 
To ensure I receive all mail from the United Postal Service i asked that they remove the additonal address and to send me a updated report a couple months ago and they never did it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: IL
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:
I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are XXXX XXXX, XXXX ; XXXX and XXXX XXXXXX/XX/XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.

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 2023-08-09
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The accounts that were included on the discharged bankruptcy XX/XX/2020 are just appeared back on my credit as new delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from XXXX but still are showing up on XXXX and Transunion. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a space coast open account and a self lender account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2022-03-02
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:
I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Driver 's license and social.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX  did not report my car is completely paid off. Please remove asap

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX  is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed transunion and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: Diversified Adjustment Service, Inc.
State: TX
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:
On XX/XX/XXXX I reviewed my consumer report and noticed an adverse item being furnished by Diversified Adjustment for an alleged debt owed in the amount of {$1100.00}. As of XX/XX/XXXX, diversified Adjustment had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

Diversified Adjustment can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 Diversified Adjustment must cease collection of the debt until Diversified Adjustment sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Diversified Adjustment is a furnisher under the Fair Credit Reporting Act. by law at the time of Diversified Adjustment being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, Diversified Adjustment shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ).

It has been well over 30 days and Diversified Adjustment has failed to comply and respond to such notice and correspondence. Diversified Adjustment has failed to Diversified Adjustment has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Diversified Adjustment can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Proof of Claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 my Wells Fargo Credit Limit was lowered from {$10000.00} to {$8900.00}. I have been a loyal Wells Fargo Customer for over 8 years and have NEVER missed a payment nor have I ever made a late payment. These past XXXX years have been a struggle financially everywhere and I have still been able to maintain a 100 % on time payment percentage. This 10.5 % drop in my open credit line will drop my credit score drastically. I recently paid nearly {$1000.00} to lower the balance owed and Wells Fargo immediately stripped that away. I monitor my credit score through Wells Fargo and it recently went up so I find this to be an unwarranted drop in my credit line. I am only asking for my credit line to be restored to it's {$10000.00} limit to avoid my credit score going down.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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