BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: CDI Affiliated Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in XXXX, TX and they sent a XXXX XXXX lab {$37.00} bill which is located in XXXX, XXXX. I have never heard of this out of state company and they never sent any bill. If I do XXXX search for this company in XXXX. THe invoice billing company is CDI Affiliated Services Collection Department, XXXX XXXX XXXX, ID XXXX. The phone number is XXXX and XXXX. This bill needs to be cancelled and unnecessary threat of collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I went online to apply for the XXXX payment plan. I received information back that was bringing my payment higher than my original amount before the president 's forbearance on student loans. My original payment was {$420.00} I contacted Mohela by phone to apply for the XXXX plan. I was given an amount of {$110.00} monthly under the XXXX payment plan. I received correspondence in the mail from Mohela stating my payment under the IDR plan will be {$420.00}. I contacted Mohela again by phone and stated that I applied for the XXXX payment plan and not the IDR payment plan. I gave my financial information and my payment was calculated to be {$110.00}. I received correspondence again from Mohela in the mail, stating my payment would be {$410.00} I contacted Mohela again and was told by an associate in training, that I don't qualify for the XXXX payment plan and that I have to stay on the IDR payment plan, if I want to continue with the Public Service Loan Forgiveness ( PSLF ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
This student loan debt qualified for public service forgiveness due to employment with the XXXX XXXX. At the time applied my student loan servicer was XXXX XXXX I never signed anything with Mohela who is trying to collect and has only sent me statements. Has not provided any ledger or agreement with my signature.

Company response to consumer: In progress
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act Account XXXX XXXX  # XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my w
ritten instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am very disappointed with Rocket Mortgage because of the fact that their procedure is very perplexing to say the least. The first representative wanted XXXX and XXXX personal income tax and business taxes along with XXXX-XXXX W-2 's. A Profit and Loss statement, homeowner 's insurance, banking statements, pay stubs. I submitted all of that to the first individual by the name of XXXX XXXX. A few days later he called me and mentioned another name, not my name. I told him it's XXXX. He apologized. No problem, I understand that there is a lot of work. Then I was contacted by a XXXX XXXX and he indicated that all was well, he stated that he would lower my APR from 2.99 % to 2.85 % and waive the {$500.00} if I send all required documents and that I did. There was another associate that called me and left a message indicating that XXXX had the day off which is fine. The representative advised that if had I had any furlough, I advised that I did. He advised he would put this in the calculations. I thought my application was in good standing. My credit scores are above 800 and my FICO 9 is XXXX. I should be approved with these type of stellar numbers. I check my Rocket Mortgage dashboard religiously everyday to see if there are new documents that are needed. Today ; XX/XX/XXXX I get a call from XXXX XXXX indicating that there is not enough income. I pay my bills religiously and I have never been late with any outstanding bills. He then stated that he wanted my wife 's income and I stated everything was submitted. He placed me on hold and still rejected my application. This is misleading and unethical. This is an unfair credit reporting situation that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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 submitted a complaint and the company said they deleted it off my credit report through ithis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX apartments in XXXX, Md sent our account for damages to an apartment directly to a debt collector. We received NO bill and had no chance to dispute or discuss any charges! 
The debt collector called me and threatened to ruin my credit and to pay my bill NOW! 
Move out date was XXXX XXXX. 
I was actually out of the apartment in XXXX because my roommates changed the locks and the apartment complex would not help me to get a key or my possessions! I called them several times and they told me to take them to court! Im a college student and dont have money for court! 
The collection agency is FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX The apartment complex is XXXX XXXX Apartments XXXX, Md 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 2020-12-01
Company: U.S. BANCORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I put in a dispute with XXXX after discovering that my credit score was negatively affected by an account with Elan Financial, an account I was not aware of nor have had any activity on and was opened by my ex-husband back in XXXX. My name is fraudulently on this account. We were in the process of divorcing at the time and had been separated a year and a half, not living together when this account began, unknown to me. After many phone calls to Elan financial I was never able to speak with anybody who would help me but continually kept getting transferred to another extension over and over again until the phone clicked off. The dispute results with XXXX verified that my name is on this joint account but I did not receive any help on how to get my name off and clear my credit. I did another dispute with XXXX on XX/XX/XXXX and finally had a fraud expert advise me to write to you as well as sending certified letters to XXXX and XXXX which I an in the process of doing. This came to my attention only recently due to the noncompliance of my ex -husband who either defaulted on this account or is late with payments. I am not sure which but I had no knowledge or activity on this account. Part of the account number is XXXX My case number with XXXX is 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 2023-03-27
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:
So I sent a letter off on XX/XX/2023 ; To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802 ; No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-03-27
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 submitted a complaint and the company said they deleted it off my credit report through ithis.

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 2021-12-02
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
OnXX/XX/XXXX One Main associate by the name of XXXX XXXX faxed my job information about the loan that is in my name at their company. The information was sent on One Main 's company letterhead. In XX/XX/XXXX, XXXX XXXX searched up an associate that works at the company that I was working for at that time information up on the XXXX contact list and provided them with information about the same account that is listed in my name. Although this happened in XXXX I was just provided with this information a few weeks ago. This situation at minimum is an extreme case of 3rd party disclosure which is at least an FDCPA violation. The investigation that XXXX XXXX started caused me to get terminated from my job that I was at for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: 1st Franklin Financial Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase.com, I have attempted to change my name after my name change order. I have sent it to them, filled out forms, went into a branch here and they tried to change it. They ended up sending me a new debit card with my old name on it and are making me switch it right now as I need my new name on my card. This is a huge burden to change everything again, and they are not responding well. They keep sending mail like I am a new message/question and there is no context kept. I am not able to get them to listen or do the change. I am asking every day in messages, and in person they seemed to say they could not do it. I am in a bad situation if I can not switch over to my new name as I need my name to be consistent for all the things. 

I don't understand how they are not able to just do it, I sent the paperwork, legally they have to. I feel like Chase is discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have all been paid off and promised me they were to delete it off my credit report once paid off and they are paid off with a XXXX balacnce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
This mortgage account was paid off and closed on XX/XX/2018. I have received a letter stating this from Select Portfolio Servicing ( attached ). However, SPS continues to report a balance of {$570000.00} to each of the Credit Reporting Agencies. I have submitted multiple requests in writing and by phone to fix this but they say they can't change their records. 

Section 623 ( a ) ( 1 ) of the FCRA says " The FCRA prohibits information providers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. '' Further, section 623 ( a ) ( 2 ) says " ... the furnisher must promptly provide complete and accurate information to the CRA ... and must thereafter report only complete and accurate information. '' My lawyer says the next course of action is to file a lawsuit to obtain a court order for correction, plus compensatory and possibly punitive damages. 

I look forward to a positive response from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2022-06-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates has been sending me collection notices in the amount of {$330.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have sent out several disputes to the credit bureaus and have yet to receive any correspondence or results. I do understand that with the pandemic there would be a delay in results but I didn't expect to receive none? Regardless of Covid they are lawfully still obliged to respond to my disputes. I have inaccurate items reporting on my credit that need to be fixed.

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 2021-01-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both Experian and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 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 2019-09-03
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
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 finished school in 2016 I was already behind 1 year in payments and I should have been in forbearance until I graduated. I called them in 2016 to tell them I just graduated. I had called every six months to stay in forbearance because I could not make a payment. I am current on my payments but still shows I am 13 different months late and the status is affecting my credit. I wish I would have never went to college because the loan repayment is affecting me to get a loan for anything and just makes the whole experience terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
On XX/XX/ I was informed by the social security administration that information was accessed from Equifax. I requested a copy of my free consumer report under the FCRA on XX/XX/. Instead of getting my free report I received a letter dated XX/XX/XXXX   requesting identity information instead of the requested report. I provided the agency a copy of the SSA letter regarding the access of my information along with name, address & ss #.

Company response to consumer: Closed with explanation