BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: MOHELA
State: IL
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 reached 120 payments for PSLF and mailed my application to Mohela in XX/XX/XXXX. Mohela denied my application in XX/XX/XXXX stating that I have not yet made 120 payments, which is not accurate. I now have well over 120 qualifying payments. I called 3 different times in XX/XX/XXXX and was told 3 different answers, stating that it still takes time for the payments to be counted. I called again in XXXX and someone said they would send my account for review. In XXXX there was still no progress, so I called again and the woman said the last person sent it for review incorrectly. This new person sent it for review again. After a few weeks, 6 of my payments were correctly counted. However, I am still missing payments from my qualifying employer ( the XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX. One payment from XX/XX/XXXX was counted, but I am still missing 9 payments. I have called Mohela 6-7 times over the last 2-3 months to get this issue resolved, with no resolution. I am constantly placed on hold and having my time wasted. My forgiveness application was complete, organized, accurate and concise, and Mohela was still not competent enough to properly process my application or my payment counts. I have spent hours and hours on the phone with Mohela with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
my certified mail has yet to get signed for ( see attachment ) I used the address on the XXXX XXXX report and it's not a good address per the history on the usps

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 2023-01-11
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since XXXX  and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXX of XXXX and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
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 is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-01-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX This account was paid and closed on XX/XX/2022. Experian has failed to update my credit report. See report attached. Delete this account off my credit file right away!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I been paying this loan since XXXX XXXX until last year and never see the debt go down. still it's almost twenty years later and still it looks like I never paid anything because its highway robbery with these student loans. Then I still a check that I never cash because the college told me to wait and I still been charge this money. The other college was XXXX College the check was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Hello, I recently discovered that there was information that was pertaining to my personal information reported by XXXX. The information was showing that I had previous account open with XXXXXXXX XXXX and also XXXX XXXXXXXX XXXX which I never did. I had disputed the information with XXXX. Once I received a final letter from XXXX they mention that I will need to contact the bank directly to get it resolved. I called XXXX XXXX at ( XXXX ) XXXX which was provided to me from XXXX. I called them and spoke with fraud department. They were not able to find any information about me at all. I also contacted XXXX XXXX  XXXX as well and got the same information. I recently got off the phone again with XXXX and they said they will need to file another dispute. based off the conversation they can't do anything about until they hear back from the creditors. I am not sure what else to do how to get this false information remove so I decided to reach out to you for further help on clearing this information with 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 2019-08-10
Company: SCS Credit Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I made a loan with SCS credit corporation. The account is open and showing I owe XXXX as of 7 years and 2 months ago. It was a XXXX XXXX XXXX. The car has been repossessed years ago. I am going through a financial crisis and can do longer make such large payment for something I no longer have. Its been such a long time since I had the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi my name is XXXX XXXX XXXX XXXX XXXX contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX also removal of all accounts attached to these names and addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I signed documents with XXXX XXXX for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the  vehicle from titled the vehicle improperly. Once notified by XXXX XXXX I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore XXXX XXXX is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I have had with XXXX XXXX, my contracted Auto Loan with GAP insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXXXXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to XXXX, and they still reported the way XXXX XXXX it to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2020-07-23
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I used Guaranteed Rate to obtain a mortgage. The mortgage broker advised I would get a " float down '' so that if the rates dropped before closing I could ( once ) reduce my borrowing cost. He indicated that the rate was 3 % and the mortgage would be sold to XXXX. 

Within a few weeks mortgage rates dropped. I decided to shop around and found a rate through the same bank the loan was being sold to, for the same loan amounts ( down payment, purchase price, loan amount, duration, etc ... ) Guaranteed Rate was arranging for me for my property for a rate of 2.875 %. I was declined the float down by Guaranteed Rate, notwithstanding on two occasions providing written proof of the lower rate offered for the XXXX XXXX  loan. 

In addition, my personal information privacy was violated, including disclosing loan documents as well as my SSN without my consent to other parties. 

I have complained about this on multiple occasions to my mortgage broker, his supervisor and have gotten nowhere. They offered to put me through to Guaranteed Rate customer service. I never got a call, letter or email. Subsequently they provided me the direct email for their customer service. I emailed them advising that I had rate and privacy concerns. It's been about a week with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IN
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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
According to credit Act 15 USC 1681B permissible purpose of consumer reports. This law states in general that unless a consumer reporting agency has your written instruction they are not to furnish anything to your report. I did not give consent which is written instructions an also credit Act15 USC 6802 obligation with respects to disclosure of personal information

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 2023-01-11
Company: EQUIFAX, INC.
State: SC
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 account number # # # # # # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a loan with Westlake Financial that was paid off at the end of 2016 when I refinanced my home and paid off all my debt. Westlake paid the loan but reported the title company that sent the check to the DMV in California as the new lien holder. The title was never cleared for me and nothing was ever sent to me. I called Westlake to help and they have refused to correct the matter. My title company even got involved to ask if they will correct it and they hung up on us. All of these calls are most likely recorded and should be there for review. The DMV said the title company could write a letter explaining what happened and we did but I am still unable to get the clean title. I have no way of doing anything with my car because of this and the company that caused the problem is refusing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have received '0 % APR introductory rate ' offers from this company at a frequency of 2-3 times a month for the past year of so. In XX/XX/XXXX I foolishly accepted the best offer I had received from them to date, against my better judgement ( based on online reviews of the company and it's practices ). The offer was for a 0 % APR until XX/XX/XXXX, and seemed too good to be true, but, as my fiance and I were planning our wedding, having access to extra credit was a godsend. The wedding was in XX/XX/XXXX, and we were lucky enough to receive financial support from our parents, meaning that I had the cash needed to pay off the card in full sitting in my savings account, but did not, as the contract I signed meant that the balance should not incur interest until XX/XX/XXXX. 
In XXXX, I checked my statement and found that they had been charging me interest at 24.74 % for the months of XXXX and XXXX resulting in a total of {$110.00} in interest charges. As soon as I noticed this, I requested the company send me the original terms and conditions using their online portal, however, the document I received was the *current* interest rate. To sort this out, I called their customer service line on XX/XX/XXXX. After waiting on hold, I was told that they only offer promotional rates for 6 or 9 months, and so I " must have signed up for 9 months ''. I said that I am certain the offer was for longer than that, because I meticulously keep track of my finances, and a quick perusal of my accounts would show as much. Because the customer service representative started getting very cagey, I requested to speak to his supervisor. After waiting on hold for over 20 minutes while she supposedly read through my contract, she came back with the same " we only offer promotional rates for 6 to 9 months, so you would have to fax us your original agreement ''. I got the fax number from her and proceeded to request that she email me a copy of the *original* document she was reading through, as it is not possible to do so via their portal. She assured me she would email it to me, but did not take my email address. When I then stated that I plan to disputing these interest charges because they had failed to inform me of the increase in interest rates within the 45 days stipulated in the Credit Card Accountability Responsibility and Disclosure act of XXXX ( Title I, Sec.101 ), she hung up on me. 
I have copies of my statements which show that in addition to not sending me any advance notice, the " Account notifications '' portion of the statement where they state " Welcome to your account notifications. Check back here each month for important updates to your account '', did not contain any notifications of this interest change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I signed documents with XXXX XXXX for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the  vehicle from titled the vehicle improperly. Once notified by XXXX XXXX I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore XXXX XXXX is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I have had with XXXX XXXX, my contracted Auto Loan with GAP insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.

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 2018-10-25
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: Problem with personal statement of dispute

Complaint:
I have disputed with XXXX  TransUnion XXXX and XXXX to remove the unverified Bankruptcy and accounts attached to the Bankruptcy. XXXX has deleted the Bankruptcy from my report but XXXX TransUnion and XXXX has not. I have sent 3 Dispute letters asking them to validate with original files and they have upgraded my report with it has been validated.

I sent 3 rounds of letters asking them to delete the inaccurate information from my credit report being Bankruptcy and attached accounts. 

account numbers TransUnion 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 explanation