BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted XXXX waivers for prior employment that qualified during the waiver period on XX/XX/XXXX. The first waiver was processed. The second waiver, that was uploaded in the same file CONTINUES to be ignored. I called in XXXX and asked and the customer service representative said the form was correct and the XXXX qualifies. I worked full time, I made loan payments, I submitted the correct form. The identical form I submitted for a different employer on XX/XX/XXXX was processed and credited. The identical form that I uploaded in the same scan for Legal Aid of East Tennessee that took up the first two pages of the XX/XX/XXXX scan was processed and credited. She asked that I give them time to process the form. Nothing changed. 

I called in XXXX of XXXX. Same exact story. My form was correct, the employer qualified, please be patient as they processed the form. I type this on XX/XX/XXXX and STILL I am not credited for those payments. I am now an hour into a call with Mohela on Friday. This is utterly absurd. I should not have to spend this long calling and calling and calling. Waiting on hold with their insipid and poor quality hold music over and over and over. They get paid to process this - PROCESS IT.

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 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 noticed unauthorized inquiries on my Transunion credit report. 
I have mailed dispute letters twice with an Ftc report attached and called twice to no help on these unauthorized inquiries.

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 2023-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
HSBC US took {$10000.00} usd from my account to perform a wire transfer and then asked a series of questions that prevented the money from being transferred. I then cancelled the transfer and had to send a check via XXXX  instead ... After 3 weeks they have not returned the money to my account despite a cancelation ... can you help us pls get our money back from HSBC... they don't return our calls or return our money. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I didnt make the account my identity was compromised in the XXXX XXXX data breach in 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collector is unscrupulous and the law firm engages in trickery. I had an HOA judgment and they illegally and unlawfully issued a garnishment on a person that was not named formally on the judgment. After payment of what I thought was in full to settle the judgment the law firm later changed the number and came back saying I owed another {$1000.00}, the case was not settled, and they wont dismiss the judgment. The law firm now refuses to adjust their legal fees and/or ask the HOA to remove the late fees and interest ( which I thought was happening when we agreed on the settlement amount that was paid ). I also found out that they sent only a tiny fraction of my settlement total to the HOA so the HOA still thinks that I owe almost the full balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-03-05
Company: EQUIFAX, INC.
State: LA
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 was released after doing time in XXXX on XX/XX/XXXX. While I was there someone used my credit file to get a credit card, a cell phone, and utilities. On XX/XX/XXXX I filed a police report, contacted the companies that the accounts were opened and the credit bureaus. The accounts were taken off but the inquiries remain. The suspect is in custody and I have gotten letters from every single inquirer saying they instructed Equifax to remove, mask or suppress the unauthorized inquiries, however Equifax is still reporting this. 

I have submitted papers from my XXXX XXXX, my release paperwork, the police report, and letters from the companies saying that it is supposed to be deleted and Equifax continually ignores this. The only response I get is an automated response telling me to dispute the inquiry with the creditor, even though I have and the creditor has given me the information I am providing to Equifax. Just like the letter enclosed. Once they even sent me information asking me to verify my identity. How is it that Equifax lets anyone pull my credit report without proof I authorized it, without proof of my signature and without proof that they had a permissible purpose in complete violation of the law and I cant get a copy of my own credit report with proving that I am in fact me and I have a permissible purpose ( i.e. looking for a job ). 

This company first aids identity thieves with this practice, not only that they show utter disregard for the laws of this great land, and are complete violation they have cost me several opportunities and all I can ever get from them in response is a form letter talking about what inquiries are. Please someone enforce the law. You can report anything you know to be inaccurate or authorized, Equifax feels that it does not have to follow the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX I XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

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 2023-03-25
Company: CNG HOLDINGS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX sent all of my personal information to a person in another state unknown to me. My email, address, phone number and email address. Violation of my privacy. I have never received any information from them regarding those debt and didn't XXXX know of it until it showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian Credit Bureau XX/XX/XXXX Experian erroneously shows that I was late 20 times on the page it describes as what " lenders '' will see. However, I have never been late with any payments. I applied for Ch. XXXX bankruptcy on XX/XX/XXXX, and all my accounts were closed before any of my payments would be late or missing. I attempted to dispute the late statuses through the process on the Experian website, but all of the lenders show " exceptional payment history, '' which is correct ; therefore, there is nothing I can dispute with the creditors. 

Moreover, the other two bureaus ( XXXX and XXXX ) reflect accurately no late payments and my credit scores with these bureaus accurately reflect the only negative item on my report, which was the Ch. XXXX BR. It is important to point out that the XXXX and XXXX credit scores are in the mid-600s range and show a " fair '' rating, as opposed to Experian which shows a XXXX poor rating along with showing 20 times late with payments. I realize that the scores can be different for different bureaus, but I would like to see if my Experian score comes up to the level of the other bureaus once the " late '' statuses are reflected on the page that shows my score ( the linked pages show " exceptional payment history '', so I gather the error is with Experian and not the reporting lenders ), I am attempting to find housing and employment, which is crucial for my survival right now, and I fear my prospects of employment and being able to rent a place to live are in jeopardy because of my Experian report. I attempted to contact Experian on their website today ( XX/XX/XXXX ) and was routed through a phone tree that had no option for me to select and kept disconnecting me.

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 2023-03-25
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have zero dealt with XXXX which the staff XXXX has confirmed but failed to send me an email the XXXX  balance. I was completely shocked to find out that they had reported me to all CRAs with a fully paid XXXX  balance that was not past due. Their debt collector made no attempt to contact me and went straight to my credit report and reported for XXXX I did file a XXXX XXXX XXXX complaint ad this is the second time XXXX has made false statements to my Credit report. 
Regulation F under the FDCPA states that a debt collector can not report to the CRAs without first contacting the consumer. There was no contact attempts from XXXXXXXX debtor collector. 
The FCRA states that I have a legal right to an accurate credit report. Claiming that I owe them {$100.00} when my balance was XXXX was a scam by XXXX to get money from me that was not owed them. This is the second time they have done this. 
Although my balance was XXXX the XXXX administration has stated that medical debt can not be reported until it is past due for one year. I had no past due balance at all and yet XXXX reported the alleged debt. 
The Biden administration also stated that Medical debt under {$500.00} can not be reported at all. My balance was XXXX and even if the {$100.00} were accurate its still under {$500.00} Because of ongoing recklessness with TAUC I filed a XXXX XXXX XXXX  complaint in the past and was promised that the false reporting to my credit report will never happen again. It happened again. XXXX is also aware that Im XXXX and fighting a life-threatening illness and maliciously decided to report to my credit report falsely to try to get money out of me and bully me. I had to spend many hours trying to get the false report removed from my credit report. I also filed a dispute which was very difficult because XXXX XXXX promised to email me that my balance was XXXXXXXX but then refused to send me the information. She also promised me that I would be followed up with that day and I never was. 
XXXX is aware that I am XXXX XXXX  and battling a XXXX XXXX XXXX and decided to stress me greatly by making false statements to my credit reports. Their behavior is egregious and ongoing. XXXX has caused me damage. Is it extremely stressful to fight a false report on my credit report. I had to do it myself and it was made worse because their agent refused to send me an email stating that my balance was XXXX. They are bypassing the law and trying to get money out of people by making false statements on their credit report. I am demanding something to be done to help myself and to stop this ongoing behavior from this company.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: MI
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:
Company applied 2 inquiries even though I only applied for credit 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 explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft and I filed the FTC report and correct paperwork and sent them to the credit agencies. They were not attached to the disputes I filed and I still have not received copies of the verification process. I contact them all the time and they still dont file the correct dispute and the correct paperwork

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I enclose copies of my requests to the collection agency Portfolio Recovery Solutions asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to the three Credit bureaus. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EQUIFAX To whom it may concern : EQUIFAX did not do a proper " investigation '' according to the FCRA. FLAGSHIP CREDIT ACCEPTANCE Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 
Equifax did not do this. 
Also Equifax has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 
Equifax stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in XXXX. 
Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Equifax on the account FLAG SHIP CREDIT ACCEPTANCE the dates last active are reporting differently on my most updated report that was sent to me by Equifax after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 
This is grounds for removal as Equifax informed me a proper investigation was completed and the information was accurate when in fact the information is not. 
I have submitted the reports that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports. 
Please delete this account from my report as this investigation was not properly done following the FCRA. Also due to the false information Equifax allowed to report on my credit report even after the investigation. Which is negatively impacting my reputation and charcter. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on the deferment program with Mr Cooper mortgage comp due to Covid for a year and half. My term is up in XXXX. I called to see my options now as per letter l, options being pay in full, move the XXXX to back of loan, payment plan or remodify my outstanding balance. Now they tell me I dont qualify for anything. I can short sale my home. That isnt an option for me. Im a single Mama of XXXX. I was current before the Covid hit and I lost my job. Now back on my feet ready to pay mortgage. They are telling me XXXX  XXXX  will put me in foreclosure due to the loan. I need help. This isnt fair to us homeowners that assumed we where gettin help yet blind sided with the ending results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, XXXX, Trans Union and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.

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