BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan is an XXXX loan. I was just told for the first time today XXXX/XXXX/16 that there is a guarantor XXXX that is keeping me from being able to do a cash modification because my income has been greatly reduced and I am currently on short term XXXX and I 'm not sure when/if I will be released to go back to work. I was shocked of this news and very upset that I had never been told of the guarantor b/c I have tried to get lower payments in the past and was turned down. I do not want these to go into default I 've exhausted all avenues and talked with many reps from Mohela all of my loans total XXXX monthly that 's for XXXX XXXX Loans and XXXX Cash loans. There was also a change on my credit report showing XXXX Mohela accounts were added and XXXX were removed which looks sketchy and of course nobody could tell me anything about. I can upload screen shots of it if needed for explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible.

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 2021-05-31
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I pulled a credit report off my XXXX Credit card online portal. The XXXX  report showed that my credit has decrease, so I started to investigate and found a collection notice on my report filed Collection Agency named AARGON COLLECTION at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX had filed a collection notice on my credit report for {$1800.00} that was open XX/XX/XXXX. This is not my charge so I called AARGON and they told me that XXXX XXXX had file a claim against me for {$1800.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX installed in car. This is not my charge so I called AARGON and tried to contact XXXX  and they would not answer their phone. I called AARGON back on XX/XX/XXXX and this time they said the account number XXXX is filed under a person named XXXX XXXX Case and since this not me they could not give me additional information to clear the this off my credit report and I would need to file report with FTC.GOV and send it to them. 
AARGON Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Fax- XXXX Account # XXXX Amount - {$18000.00} -Account Open XX/XX/XXXX, No payments have been made. 
Company Name- XXXX XXXX XXXX Message only XXXX XXXX XXXX XXXX XXXX XXXX installed on a car XXXX  account XXXX Phone # XXXX XXXX XXXX Called AARGON and spoke XXXX- Could not find my info Called AARGON- XXXX on XX/XX/XXXX Said this account was under XXXX XXXX Case An he could not share additional info with me because not correct name. 
Supervisor XXXX XXXX XXXX Need to contact FTC>GOV file claim. 
Left 3 message at XXXX on XXXX phone 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 2023-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. XXXX, XXXX AND EXPERIAN HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

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 2022-06-16
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  bankruptcyXXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, XXXX  {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has voilated 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX and XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX # XXXX # XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX 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 my account without my written instructions.

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 2020-11-02
Company: U.S. BANCORP
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:
Upon checking my consumer credit reports on XX/XX/2020, I discovered that my Comerica Visa account XXXX Account was marked with a 30-day late payment on all major credit bureaus for the month of XX/XX/2020. I immediately contacted Elan Financial to speak with their representatives on the matter and was told I had to write a letter to their credit dispute department. My account was current for XX/XX/2020, I also placed my account in a deferment to avoid any further impacts to my credit during COVID-19. I disputed the 30-day late information in a letter written and mailed directly to the Data Furnisher Comerica Visa account XXXX on XX/XX/2020 to address my concerns. I discovered that my Comerica Visa account XXXX account was notated with the AW - Natural or Declared Disaster Code with all major credit bureaus as a result of COVID-19. Upon the code being added, the negative information on my account. I immediately called Comerica customer service back to ask what the code meant and how it would impact my credit because I was confused by what was happening. I was told by Comerica customer service that my account would not be impacted and it was a notation only because I had deferred my account payments. At this point I thought my dispute had been resolved and everything was fine, meanwhile I did not know my rights were being violated. In response to my credit dispute letter, Comerica customer service explained that they understood I was having difficulty. Meanwhile, my credit score dropped 45 points and my Comerica Visa account XXXX account reverted back to a negative status leaving me even more confused as to what was going on. At this point I managed to do a significant amount of research on my consumer protection rights and realized that my rights had been violated. And according to the [ Consumer Data Industry Association Credit Reporting Resource Guide FAQ 58 ], reporting on an account affected by a Natural or Declared Disaster should not have any record of delinquency or negative information reported during the period of which a Natural or Declared Disaster exists.

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 2020-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been defrauded/ scammed by means of bad checks that I had received. Upon calling Wells Fargo the first time I noticed the checks were placed on a hold about 5 days after funds were made available to me. Not once was I sent an email or letter via mail notifying me of why they were placed on a hold. I was told by the representative to wait it out and the funds should be available by XX/XX/XXXX. That felt suspicious. I decided to take initiative and file 3 claims on XX/XX/2020 to dispute multiple transactions as well as file a case for fraud. After making multiple attempts to contact Wells Fargo, each representative tells me something different and eventually ends up hanging up the phone so my issue can not be resolved. I was scammed by being sent bad checks then being asked to forward that money to a relative in need. This scam is ongoing and very prevalent during this pandemic. Wells Fargo has denied two of my claims so far, and are trying to make me responsible for the fact that I WAS SCAMMED. After nearly 10 years of banking with this company and never having this issue prior, this is how they choose to take care of their customers : by allowing them to be scammed and defrauded to make me responsible for money that was never in my hands in the first place. I want my claims to be resolved in my favor, as they should be. I should not be made responsible for someone who chose to fraudulently write checks, especially when my bank failed to notify ME of this suspicious activity or possible fraudulent checks.

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 2022-12-26
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX is a Debt Collector who has reported a debt of {$480.00} to all credit bureaus. I do not owe that debt as it is not even under my SSN. This collection agency is committing a fraud by reporting a debt that is not under my social security number. 
I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. When I spoke with them they stated that the social security on their records does not match my social security number, but they still are reporting this collection to the Credit Bureaus. 
I do not owe this debt, it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: SC
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Trans Union have 3 listed unauthorized inquiries that is hindering my credit file. These fraudulent inaccuracies need to be deleted immediately.

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 2022-12-26
Company: Factor Trust
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc XXXX681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA 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 2015-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with 53rd bank and I made a {$100.00} deposit into that account,2 days later they closed the account, they never sent me my money back and they reported my name XXXX saying I still owed them money.But I did not make one single transaction in this account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
XXXX continues to repost and report inaccurate information from an accident that occurred over 5 YEARS AGO. At that time XXXX admitted to me the client that it was not my fault, and that i shouldn't have been at fault after they did a second investigation. They had advised me it was too late as they had already paid the other driver and that i should go ahead and sue them. This was coming from a XXXX employee. Well, they removed the information a few years ago since it was reporting inaccurately. Just recently they readded this information to my LexisNexus report, which is causing issues for me to be able to get insurance and is causing several other issues. I believe this information is not only being inaccurately reported. The police officer left the scene when i was in an ambulance and covered up the other driver running a stop sign. XXXX removed the information because they agreed it was inaccurate and false. I have attempted to work with XXXX and LexisNexus. LexisNexus reports this information as updated yet it's still showing on there and advised me to contact statefarm. It's a back and forth cycle i want this information corrected. As Information shouldn't be on a report past 5 years anyways. Per Texas state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XX/XX/XXXX harassing phone calls/voicemail to collect a debt that is not my debt XX/XX/XXXX harassing phone calls/voicemail for a debt that I am not responsible for. 
Company is using my name in their communication to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not aware of any debt and was not contacted by anyone before the company I was renting from put a debt ( that has never been itemized ) in collections. I have still never received an itemized statement or why I owe the company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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:
A XXXX account in my name that I closed in XXXX went delinquent in XXXX for unpaid cancellation fees. I learned about it when I checked my credit reports in XX/XX/XXXX and saw XXXX XXXX was reporting to the 3 credit reporting agencies an amount as delinquent and owed to XXXX. I had never received any correspondence from XXXX. I called them and was told that I could settle the collection by paying the past due XXXX amount in full to them - not XXXX. I paid the amount due immediately to XXXX XXXX in XX/XX/XXXX. A month later, the account was not showing as paid and closed on the 3 reporting agencies so I filed disputes with the 3 agencies. The account was corrected showing paid and closed with the credit agencies but the reports show an " opening date '' on XXXX and Experian for this delinquency as XX/XX/XXXX re-dating it by 4 years. I contacted XXXX again and asked them to correct the date of delinquency to show the original XXXX date or remove the " opening date '' of XX/XX/XXXX but they refused. I disputed the date issue with the 3 credit reporting agencies. XXXX corrected the inaccuracy by removing the item completely. Experian and XXXX responded that the incorrect information had been verified as correct by XXXX. XXXX XXXX states that they are reporting the date that they were given or " bought '' the account from XXXX. I contacted XXXX on XX/XX/XXXX and asked them to correct the date to the original date of delinquency or to ask XXXX to remove the information entirely because it is inaccurate. XXXX  responded on XX/XX/XXXX that they are not able to do that because they are not the company reporting the information even though it was originally a XXXX debt from XXXX. The incorrect re-dating of the delinquency showing as " opening date XX/XX/XXXX '' is causing my credit scores to decrease significantly due to the XXXX and Experian reports showing that the delinquency is " a recent '' delinquent account. Experian and XXXX have stated that I can not dispute the item again. By XXXX reporting an " opening date '' of XX/XX/XXXX and not the original date of delinquency of XXXX with the original creditor, XXXX, I am being harmed by not being able to get a mortgage because my mortgage FICO as well as the other FICO scores are based on this incorrect date/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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.

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