BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
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: Old information reappears or never goes away

Complaint:
Credit agency ( XXXX in total ) won't remove my XXXX loans. I have made multiple dispute requests since discharge. ( XXXX approved full discharge of all loans ). I have even tried to understand how they made it to the credit agency because they were. Not classified in default or late. I was on an approved payment plan/income program with lender and the loans are sitting in multiple credit agencies. Explained to credit agency that XXXX approved full discharge, I mailed paperwork dated XX/XX/2023 of approved discharge and letter regarding loans being removed. Credit agency won't remove discharged, they are leaving them on to XXXX. Its illegal to leave XXXX loans in credit profile. 


Other issue is XXXX loan was fully paid off and balance is incorrect. XXXX said they would have debt removed. Vehicle was in accident and Insurance paid out check with XXXX insurance finishing the final payment. Car was fully paid for in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Bread Financial Holdings, Inc.
State: FL
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 called the customer service line 4 times with the same concern and sadly the same results. I made a direct payment from my bank account on XX/XX/XXXX in the amount of {$2900.00}. They charged me a late payment, referred my account to the collections department and charged me finance fees. I was advised by the representative there was no record of the payment. I then had a representative from my bank conference call with me to confirm the payment and provide the tracking information. The representative said we did not need to send anything in writing and they had sufficient information to open up an investigation to find the payment. I called back a 2nd, 3rd, and 4th time to inquire and each time the representative told me that you had a major upgrade to your system and an investigation needs to be opened and will be resolved within 30days. And that although I was assured 1st, 2nd and 3rd time I called an investigation was opened it never was. The 3rd time I called I had a representative from my bank on the line to again provide all the tracking information for the payment. I even requested my bank send to the credit card company the tracking information in writing. Yet when I called again today their representative XXXX ID # XXXX said my payment has not been found and there has not been an investigation opened to find the payment. Of course she assured me as did the previous representatives that she would open up an investigation. 
I have been extremely patient in this matter but at this time its been close to 60 days without an investigation even opened. I don't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XX/XX/XXXX, AS I NORMALLY DI, I WITHDREW 500 FROM MY PEOPLE DRIVEN CREDIT UNION AND DEPOSSITED 440.00 INTO MY NAVY FED ACCOUNT. I SOMETIMES EITHER DO A TRANSFER, ELECTRONIALLY, BUT 90 % OF THE TIME, I DO CASH DEPSOSITS. I CONTACTED NAVY FEDERAL ON XX/XX/XXXX BECAUSE I NOTICED THAT MY DEPOSIT WAS NOT IN MY ACCOUNT. I SPOKE XXXX IN ACCOUNTING WHO TOLD ME THAT HE SAW THE CASH DEPOSIT AND THAT IT WAS ON HOLD. I ASKED HIM WHEN DID CASH DEPOSITS START BEING ON HOLD, HE SAID THAT THE NORMALLY ARE NOT. HE PLACED ME ON HOLD AND COMES BACK TO THE PHONE AND ASK DID I HAVE A RECEIPT SHOWING MY WIHDRAWAL. I SCREENSHOT THE WITHDRAWAL FROM MY ACCOUNT AND EMAILED IT TO THEM, HE PLACES ME ON HOLD AND THEN A LADY, WHO INTRODUCED HERSELF AS A SUPSERIVOR BY THE NAME OF XXXX, THAT COULD BE SPEELED INCORRECTLY, BUT SHE SAYS THAT THERE IS NO WAY THAT THEY CAN CONFIRM IF IT WAS A CASH DEPOSIT. I ASKED HER WHAT ELSE CAN YOU TAKE OUT OF AN ATM. THE SCREENSHOT SHOWED THE AMOUNT AS WELL THE ATM, TIME AND DATE. SHE REFUSED TO RELEASE MY FUNDS. I AHVE NEVER GIVEN NAVY FEDERAL A DEPOSIT. MY PATTERN HAS BEEN THE SAME SINCE I JOINED THE CREDIT UNION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NV
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:
The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX? I have written letters to XXXX XXXXXXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.

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 2023-11-10
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/23 Insubmitted a request via Mohela site to get a refund of my payments made during the COVID pause. 

XX/XX/23 Mohela confirmed the refund request would be processed and could take 60 days for me to receive my money. 

Its been well past that, even if XXXX business days. The payment balance was adjusted to my overall balance by XXXX, so Ive been paying interest on money ( since XXXX ) on money I have yet to receive back. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$370.00} DPT ED/XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: LA
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 am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my XXXX account and paid the hospital directly. I spoke to someone about the account with XXXX XXXX and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system. 

I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay XXXX XXXX XXXX .My insurance handled the billing.

2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report. 
3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer. 

I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$370.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, HARVEST ASSOCIATES , INC sent a letter in the mail stating I owe them {$820.00} for a service that took place XX/XX/XXXX. I sent a letter of validation and they could not verify the debt. I also sent them a cease and desist letter that was ignored. They are also in violation if 15 USC 1692b and 15 U.S.C. 1692d. According to 15 USC 6802, no financial institution is supposed to share my information with a third party. I never gave XXXX XXXX XXXX permission to share my personal information to a 3rd party. I also never signed a contract stating that I owe HARVEST ASSOCIATES , INC any amount of debt. They also never communicated the amount of money they paid for the debt, when they purchased it and other information requested in the validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. American Express sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XX/XX/2021 regarding not having received bill a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with American Express ( in writing ) on my behalf on XX/XX/2021 a ) American express acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX 7. American Express did not cease efforts to collect on disputed amount a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 8. Billing Error notice should have also triggered a direct dispute under XXXX XXXX XXXX 9. American Express did not notify me of their findings a ) American Express circumvented an investigation by having XXXX verify the current address XXXX : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. American Express did not investigate reasons for non-receipt of bills a ) acknowledged by American express in XXXX XXXX XXXX in response to CFPB XXXX XXXX 3. American Express continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage, LLC dba Mr. Cooper took over the servicing of new home mortgages in a 55+ community in early XXXX. Most of us closed escrow the end of XXXX. The community is XXXX XXXX XXXX XXXX XXXX in XXXX, CA. Around XXXX of XXXX, Mr. Cooper sent out refund checks and lowered everyone 's mortgage payment indicating to the residents that their Escrow Accounts had been over-funded. Now, in XXXX of XXXX Mr. Cooper sent out a notice to those same residents that beginning with the XX/XX/XXXX payment - everyone 's payment is increasing by hundreds of dollars in order to pay back the current shortage within a YEAR. This increase for me is over {$650.00} per month from what I've been paying {$360.00} a month more than what I initially qualified for. How can Mr. Cooper possibly expect these residents to pay so much more for so long on a month 's notice. Upon scrutiny I discovered these refunds were sent out before Mr. Cooper had even paid the Property Taxes for the first year. Surely a credible servicer would have known that Property Taxes needed to be paid. Their notice ( attached ) indicates there were changes made by taxing authorities and insurance providers which is totally false - everything has remained the same. The problem was caused by Mr. Cooper 's own gross incompetence. I believe hundreds of people are affected, maybe more. Most people are retired, on fixed incomes, many are widowers, and most are unable to pay this outrageous increase and fear they may lose their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: TX
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:
I disputed incorrect information XX/XX/2022 by sending off a letter to XXXX, Experian and XXXX. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. XXXX has open accounts that are also collections. My addresses are wrong and Experian and XXXX are not reporting open and closed accounts reported on XXXX. XXXX has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. Experian has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.S. Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes Experian, XXXX and XXXX. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.

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 2021-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was on XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Report and needs to update immediately : XXXX XXXXXXXX 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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please remove XXXX XXXX XXXX from all credit bureus. This was placed on my credit reports incorrectly. THE ACCOUNT DOES NOT BELONG TO ME.

Company response to consumer: In progress