BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: MOHELA
State: PA
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 made numerous attempts to contact MOHELA after my student loans were transfered from XXXX. I have worked for non profits or government since 2012 and I am trying to fix my PSLF dates and payments. It took months for my original form to be reviewed but was rejected and sent back for corrections. I have submitted a corrected form, but I have tried numerous times over a period of several weeks to speak to anyone from MOHELA to ensure everything is correct. There is over 10 minutes of unskipable messages before you can try to get directed to the correct place. Then, you may randomly be disconnected, sent to a non working number, or try to enter your information and be told your account can't be found and you get disconnected. The one time I did get through to a wait queue, I was told it would be over a 3 hour wait. Essentially, it is nearly impossible to get in touch with anyone from MOHELA to answer my student loan questions and get PSLF assistance. I don't know what to do now and I fear I may miss out on financial benefits that I am entitled to based on my decade of non profit and government service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: NY
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midwest Recovery Systems representing XXXX XXXX ' XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 XXXX XXXX ' XXXX {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.

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 2022-10-19
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: Information is missing that should be on the report

Complaint:
My account has not been reported to all 3 credit bureaus since XXXX. And in these 5 months I paid down my XXXX XXXX XXXX Credit Card and paid over XXXX $ on my XXXX credit card. The lack of reporting is affecting my credit score and I need this resolved promptly.

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 2019-09-11
Company: Resurgent Capital Services L.P.
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:
Resurgent Capital Services # XXXX and XXXX XXXX XXXX # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on XXXX. Resurgent is only reporting the same collection on XXXX and not the other bureaus. This is a violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a wellsfargo custumer since 1997, last XXXX I got charged XXXX dollars to my atm debit card wich a never did, I called wellsfargo they opened a claim and later came with conclusion that all the transactions was made by myself, and they closed the case, I tried several times with the same results

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 monetary relief
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: NM
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:
Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2021-12-12
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been contact the corporate office as well as sending a email to CEO regarding late payments during pandemic. I have always had excellent until I lost my job. Here is the letter I sent and received no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Citibank Double Cash Card XXXX XXXX XXXX, XXXX XXXX XXXX, Citibank XXXX XXXX., Mail Room, XXXX, XXXX XXXX XXXX XXXX XXXX ( Old XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account # : XXXX To XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been customer since XXXX and during that time, I have enjoyed my experience with Citibank greatly XXXX I am writing to see if you would be willing to make a goodwill adjustment to my credit reporting to the three credit agencies. I have a late payment on the above referenced account from XX/XX/XXXX and XX/XX/XXXX. 
My Citibank credit card has been closed down but I continue to make my monthly payments to keep positive payment history and to one day open another account if possible. I went over my limit during the pandemic which caused account closure. Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of obtaining gainful employment after the pandemic. I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I have been a very happy customer in the past and hope to continue a long relationship with Citibank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Citibank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Citibank is head and shoulders above the rest. I look forward to your reply..

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 2018-12-20
Company: Premier Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2018 XXXX XXXX left a voicemail on my telephone stating that I needed to contact him on that date. He gave a callback number of XXXX but his caller ID was that of the XXXX County District Attorney. His message stated that a warrant for my arrest was being prepared and that I better like bologna sandwiches. I contacted the XXXX County District Attorney and they stated they didn't have a record of me in their system and they certainly wouldn't leave a message like that on a voicemail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Information belongs to someone else

Complaint:
I noticed an account on my credit report that I do not recognize

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 2016-09-26
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I obtained a loan in XXXX for an automobile through Westlake Financial Services for over {$16000.00}. I have been very ill for the last few years and feel behind on my payment. Unltimately, the car was repossessed in XXXX then sold by Westlake Financial Services. I received a copy of my credit report with fraudulent information. Westlake Financial Services has indicated this account is past due by {$1300.00}, currently delinquent by 30 days with a payment amount of {$430.00} and a balance of {$16000.00} none of which are true. I received a letter from Westlake Financial Services indicating the balance is {$13000.00}. I am XXXX now and I believe this company has a practice of reporting fraudulent information against consumers. I also do not believe this company is keeping accurate records in an effort to fleece consumers such as myself prying on us as a community.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On or about XX/XX/XXXX I checked my XXXX XXXX credit monitoring and found XXXX XXXX is frivolously reporting innacurate info on my credit report with TransUnion saying I have a charge off/ delinquent account when I settled this account in civil litigation in XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXy XXXX filed a XXXX satisfaction of judgement '' on this and told me it would not be on my credit report as part of the settlement! This is frivolous on XXXX XXXX part for reporting innacurate info and hurting my credit on a settled acct I may seek legal damages via lawsuit for my time spent and labor of my own investigation and calls made I'll never get back!

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have a letter from credit management a creditor that's on my credit report they have agreed and sent a letter i have sent to Transunion and called to notify them of and yet the item hasn't been removed. i dont know what more they need when I have a document from the creditor saying to remove the item.

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 2021-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have been receiving daily calls from Portfolio Recovery for months. The calls are always from a different number from various locations throughout the country. I have no debt, nothing on my credit report, and have received no letters from legit debt collection agencies. This is a scam and they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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've sent Transunion LLC several letters disputing accounts : XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX as either inaccurate, inconsistent, or unverifiable and they will reply back stating " verified as accurate ''. Each letter I asked they provide me with reasonable procedures and proof of their investigation. According to the FTC and FCRA, the credit bureau have to tell me how you verified the accounts and Transunion is not following the law when asked.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXX XXXX XX/XX/2022

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 2022-09-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following information included in my Ftc report is fraudulent I demand immediate removal I'm in the middle of purchasing a home and this has affected e as I have reached out to credit bureaus to resolve this fraud. Violation of my consumer rights 15 USC 1681 law prohibits false information from being reported immediately remove these items i have attached ftc.

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 2021-07-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. 

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 2023-08-13
Company: Experian Information Solutions Inc.
State: MO
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 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 2022-09-21
Company: Experian Information Solutions 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:
I have disputed a charge off account with a credit union with Experian on 3 separate occasions with the backing of the credit union and the account still hasnt been removed. The account is being reported as a charge off that happened in XX/XX/XXXX with a payment made in XX/XX/XXXX. The problem is neither of these things ever happened. This account has been reporting on my account for at least 5 years. 

The credit union supplied me with a letter that was sent to Experian via mail that says that they are not reporting a charge off account in my name. They have informed me that it must be being updated by a third party. They also assured me that if they were contacted they would let Experian know that the account should not be on my credit file. They have supplied me with a letter that I will attach to this complaint. Experian has failed to look at the supporting document and reach out to the creditor for verification.

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 2021-12-12
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:
I am a US Veteran XXXX XXXX in XXXX. I was assigned after my deployment to XXXX during the war against terrorism in XXXX. During my task I was injured in the Island during my work as a XXXX subcontractor. I had to go to the XXXX XXXX to the work incident. 
Never received a letter or any notification as I remembered that the XXXX was a ware that I was under the XXXX medical. 
My credit score was always above XXXX. Last week my credit score went down to XXXX. I am small business owner and just this week my bank credit line got cancelled. 

I am not at falt and I was never aware of this problem tell my credit score went dow to XXXX last week. I did sent a request to Transunion on XX/XX/XXXX and did contacted the other agency.

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 2021-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have reached out to XXXX XXXX and Equifax in XXXX and XXXX to get a copy of my credit report and File. Neither companies have responded and I have sent both personal documents to verify my identity. My information was involved in Equifax data breach and I am trying to exercise my rights as a consumer to take the necessary steps to protect my identity.

Company response to consumer: Closed with explanation