BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Genesis FS Card Services, Inc.
State: OR
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:
On XX/XX/2022 I received an alert on XXXX XXXX account stating I had a hard inquiry from a company call XXXX XXXX Further investigating I called the company Genesis Financial Solutions giving my personal identity to see if they can find me in their system. No one could help me so I decided to file a complaint with XXXX XXXX XXXX 
I would like this hard inquiry removed from my account due to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CBK, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving repeated calls and letters from Collection Bureau of Kansas beginning on XX/XX/XXXX. The agent tells me I owe money to the city of XXXX, Kansas, and requests personal information in exchange for the details. I called the city of XXXX, Kansas myself on XX/XX/XXXX at XXXX at ( XXXX ) XXXX, then ( XXXX ) XXXX and was told I have no debts with them under my current name, maiden name, or alias, and they stated there is no debt under the name of my brother, who's name is similar to mine. I called CBK back on XX/XX/XXXX at XXXX and notified the agent of what the city of XXXX, Kansas told me. I am unable to find the first letter sent from CBK, but the second letter is dated XX/XX/XXXX. It is addressed to a name that is a composite of my and my brother 's name. I haven't lived at the that mailing address since at least XXXX and my last name changed by marriage in at least XXXX. I have blocked the phone numbers calling after stating I have no debts with the city of XXXX, Kansas. CBK calls from a new number after noticing they've been blocked. Log of phone calls is below : ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX Many of the recent calls have nine-10 second long empty voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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:
My loan repayment status with Mohela is being negatively affected and placed in limbo because Mohela claims that I'm showing as " in-school '' at XXXX University and thus I'm under an in-school deferment right now. However, I have not been enrolled as a full-time student at XXXX University since the Spring Semester of XXXX  and my official enrollment ended in the Fall of XXXX. XXXX University has reported this information to the proper government agencies such as the XXXX XXXX. And they have confirmed this with me and have attempted to confirm this with Mohela, with phone calls and a letter. I have also sent Mohela information in regards to this matter to get this situation of inaccurate information rectified. 

In my discussions with Mohela they have made it clear they have not done their due diligence to review all information I have sent them because you can not send them direct messages on special case issues such as mine. Calling has shown to be pointless because they don't record all information properly in my account. I have been provided false or bad information regarding this situation several times. They won't confirm if they have received a letter from XXXX 's Financial Aid Director. They also refuse to take down here contact information and call her about this matter. They called me back once and left a message. However, the call back number " XXXX '' left for me to call back ( XXXX ) is a non-working number for Mohela. 

I have spent 2 now going on 3 months to try and get this issue rectified with Mohela. I have lost money, because I have had to take time off from work to call them during their hours of operations ( 12 times I have called ) and have been on hold for 1-2 hours and then another 1-2 hours on the phone to try and get confirmation on communication and information sent/received. Also, their messaging options for customer service is a joke frankly because their turn-around time or response time is about 4-6 weeks instead of 1-3 business days as they claim will happen. 

I would like to get this matter solved so my IDR or SAVE repayment plan can officially kick in and I can receive the credit I deserve towards making payments to my 120 payment forgiveness etc. I believe Mohela is intentionally illegally delaying this from happening. I do not know what else to do and neither does XXXX University which has been negatively affected by this matter as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX  who is licensed XXXX XXXX ( In XXXX, XXXX, and XXXX  ) and at the end of last year ( XX/XX/2020 ) I applied for XXXX  Loan Forgiveness through the Federal program. I should potentially qualify as a Secondary Science XXXX  according to the program and it is for up to {$17000.00}. One of my loan servicers ( XXXX  ) granted the forgiveness that I applied for but the other ( Nelnet based out of Nebraska ) denied my claim on the basis that they don't consider me as a XXXX XXXX  based on Nebraska legislation. I contacted the Nebraska Ombudsman and they also recommended that I continue to pursue it because of the confusing language that is used in regards to Nebraska legislation. 

The Teacher Loan Forgiveness Program States that " Secondary School '' is a public or nonprofit private school that provides secondary education as determined by state law or, if the school is not in a state, by the Department. 

Nelnet is referring to, Neb. Rev. Stat. 79-101 ( 5 ) indicates that " elementary grades means grades kindergarten through eight, inclusive. '' Neb. Rev. Stat. 79-101 ( 6 ) indicates that " high school grades means all grades above the eighth grade. '' The Nebraska Revised Statues do not directly define " secondary school. '' but it refers to " high school ''. From the Neb. Dept. of Education Rule 10 from Title 92, Nebraska Administrative Code, Chapter 10 " secondary grades '' is defined as " means those grades designated by the school system as secondary, but not to include any below grade XXXX ''. 

I was hired with the requirement of a XXXX XXXX XXXX certificate because my school is accredited with as a secondary school and they have to follow the guidelines of hiring teachers with a XXXX certificate to remain in compliance. 
I contacted Nelnet individually on the dates that are specified on the Nelnet contact document and with a SAVI representative on XX/XX/2020 but we haven't received any other help from Nelnet on how to proceed because they just say the Guarantor doesn't deem it as a qualifying case since they consider me an XXXX XXXX based on Nebraska legislation ( worth {$5000.00} ). My XXXX  approval was worth {$7600.00} so it was above the {$5000.00} for an XXXX XXXX because they deemed my case as a qualifying XXXX XXXX. 
I should also note that one of my years of service was with a XXXX XXXX in XXXX which may be used to argue that my particular situation could also fall under review by either state or should potentially default to the federal definition of what is considered a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
I have a pending lawsuit against all 3 credit bureaus for their failure to accurately report my credit information.

I need 3 things to happen by the end of this month or i will proceed forward with the lawsuit. 

1. XXXX XXXX and any other derogatories need to be removed from my credit report now. These things are damaging my credit and I will seek relief if we have to go to court. 
None of the information matches on all 3 credit profiles By law the information has to match across all 3 bureaus. By law of 15 U.S. Code 1681s2 part A, I have a cause to believe this information is incorrect. I have repeatedly for years have asked for changes to made and you all refused!

2. It is illegal for my report to have late payments.

PEr law 15 usc 6802. A financial institution is not able to disclose nonpublic personal information to a non affiliated third party. You all have done this multiple times and understand there are fines that you all will pay if this lawsuit goes through.

3. You all put on my credit report that I live in XXXX, TX. 
I have never lived there a day in my life. It is illegal for a credit bureau to falsify information on a consumer credit report. This alone has impacted in me getting many denialS of credit because they couldn't verify my location. 
THIS HAS NEVER BEEN CORRECTED.

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 2023-03-28
Company: EQUIFAX, INC.
State: MS
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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Big Picture Loans, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I borrowed XXXX and Ive paid XXXX via ACH debit from my account. I called them to check the back since I had maybe XXXX or XXXX more payments and they told me the interest of XXXX or more. I have already paid this company their money and now I am receiving emails aboou a balance which is interest. I was not informed XXXX XXXX interest rate on the loan and not XXXX in interest. I was unable to view the truth in lending until after i agreed to the loan and I believe that this company is practicing bad business and unethical practices online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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:
Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXX XXXX ****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a large payment on my Truist credit account and I talked to representative and representative told me that there was over-payment on the credit card account and they could credit my checking account. I asked if there were going to be any interest charge on my account soon-and I was told that account has {$0.00} balance there shouldn't be any fees charged, therefore, I agreed and representative transferred money. Later, I was traveling and didnt receive statement, it turns out Truist bank charged my credit card interest and later I got charged late fee {$28.00}. I would like Truist bank, to provide chat / recording file, plus refund my late fee {$28.00} and also provide calculation of interest charged. 
Please see relevant statements attached. Please let me know if you need any additional info. 
Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2022-09-12
Company: U.S. BANCORP
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:
XXXX XXXX kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with US Bank to transfer my current XXXX balance and have 0 intrest for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called US Bank card, I explained what I wanted and why and was told that because of my SSD income, my mortgage, the XXXX account, my discharged bankruptcy from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount 0 % intrest rate on balance transfers. 
This occurred between 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
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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 2017-07-02
Company: Southern Credit Adjusters, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this debt collector twice now to find out what in the world these items are on my credit report. They are reporting that i have something in collection with them and are not responding to my requests to verify. I first sent my request to verification through the credit bureaus, and then the letter attached most recently. I have given them MORE than 30 days to respond, and I am done asking. I need you to investigate this. I have no idea what it is, what its for, or what else to do to find a resolution. This needs to be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$110.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$790.00} ; XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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