BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is my third time submitting this follow-up. Mohelas response to my first CFPB request did not answer all my questions. I submitted a second complaint so that I could receive answers to the questions that Mohela chose not to address in their first response. However, that request was not completed. As mentioned in my first complaint, I have called Mohela ( calls are recorded as necessary ) and I received multiple different answers from multiple people. I would like a written response on why interest was added to my account, despite having 0 % interest right now. I have paid all my bills on time before the student loan pause and there was no interest accruing during that time. As mentioned in my original complaint, one person from Mohela ( via documented phone call ) has claimed this is interest that I accrued during the pandemic, another has said Mohela is charging me for requesting the refund, and a third said they don't even know. I would like a clear, written response to this request. Im not sure why my second request to clarify this issue was denied and not processed. It does not even appear in my CFPB dashboard of requests anymore. This is my third request. The first complaint number is XXXX. The second complaint number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I won an auction for two XXXX  on XXXX ... The seller texted me requesting payment through Zelle. I made two zelle payments, through my XXXX XXXX XXXX account, totaling XXXX . The seller no longer exists and there are other victims from gunbroker who fell victim to this scam. The seller used a cell phone XXXX to text with me, and he used the name XXXX XXXX ( phone linked to bank account XXXX ) for the Zelle transfer. This is not fair, please help me. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Convergent Resources, 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 an ongoing and continued fraud being carries out by XXXX, XXXX  and Convergence. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and XXXX  has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my XXXX  credit resulted in a report from XXXX  on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.

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 2020-12-07
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: Was not notified of investigation status or results

Complaint:
EXPERIAN as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. EXPERIAN has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EXPERIAN is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by EXPERIAN and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by EXPERIAN. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EXPERIAN is civilly liable invoice is attached.

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 2020-12-07
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit bureau posted a debt in the amount of {$1300.00} with XXXX XXXX. It was determined that this debt was paid in full by the health insurance company. The debt was then deleted from my credit report XX/XX/XXXX. XX/XX/XXXX another credit bureau bought the debt and sent another notice to pay. After a conversation with the new collection agency i was asked to provide proof that this debt was paid by the insurance company. I faxed this information over to the collection agency. They failed to resolve this issue in full causing me to miss loan opportunities. This is against the fair debt act reporting laws. Please resolve this issue and provide me with the necessary information needed to remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I call XXXX and Seqium assets Solutions. On XX/XX/2020 and both company told me by phone and email they could not find I owe anything. I filed with experience an dispute this and XXXX and seqium will not take it off my report. I do not owe money at all! They falsely put it on my report and they wont take it off! Even after Ive contacted them multiple times and they tell me they could not find it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
Ive written over XXXX letters to Experian and called about addresses that are incorrect and accounts that were either fraudulently opened or accounts settled that they refuse to remove. 

I recently disputed through the XXXX XXXX XXXX an account with XXXX XXXX  that was not mine and gave the police report to prove it did not belong to me. Experian still has the account on my credit report claiming the company confirmed the information was accurate. 

I feel they are blatantly ignoring my complaints and refuse to remove inaccuracies or fraudulent 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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:
To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within 15 days.

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 2023-11-03
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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:
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 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 XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}.

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 2020-12-10
Company: Williams & Fudge, Inc
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today, at XXXX XXXX Pacific Time, Ireceiveda call from someone who asked for person X ( my partner ), and when I asked who they were, said : " This is XXXX XXXX  ''. I asked, " Which office of XXXX XXXX? '' They responded : " It's an office of XXXX XXXX  ''. I pressed again : " What office of XXXX XXXX  are you from? '' They responded : " With the University ''. When I finally pressed again, they responded, " I'm with Williams & Fudge, working on behalf of the University. '' I believe it is fraudulent to represent yourself as someone you are not. This was not a call from XXXX XXXX, they were from Williams & Fudge , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian will not review inaccurate address from account. I have never lived at : XXXXXXXX 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 explanation
Consumer complaint received 2019-08-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 is the Open Date on the account. the balance was around {$330.00}. I paid a settlement amount that was agreed upon with Diversified Consultants, who was the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phoenix Financial Services has contacted me multiple times a day from multiple different numbers. I blocked two of them yet still receive calls from Phoenix on other numbers. This is a form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello, we are refinanced the Mortgate with Freedom Mortgate Banker by my Loan Officer/ XXXX XXXX the payment fix 15 years is {$3200.00} monthly, We never missed any payment from XXXX XXXX XXXXXXXX set up 10 day before the due date of the billing but we keep getting phone call from them late payments or some kind incorrectly amount due! We did contacted them to explain but seem like they are not fix that and keep bother a lot to calling my cell, today we received a letter from them to showing past due mortgage again and again, Please help to make them stop that and send me the monthly bill by malling to show exactly what of principle and interest charges of monthly when I never asked them paperless, my account from Freedom Mortgate is XXXX number XXXX, Thanks so much! 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 2019-05-08
Company: AMERICASH
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collector today, the XXXX of XXXX, called and left a message at my job. I called at XXXX the same day and advised XXXX , @ XXXX x XXXX to never call me again or my job again. She threatened to keep calling until the debt is paid of {$460.00} then disconnected the call. I left her message with the same instructions when I called back.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2020-12-07
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: I.C. System, Inc.
State: AZ
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:
IC Systems randomly started reporting debt on my reports. I disputed it with the bureaus. I called into the company and they did not even have the correct address so the initial letter was never received before they starte reporting. This is a direct violation. They have no right to report when they dont send that letter. After my disputing with the bureaus, I called them and corrected the address, however they did not delete the reporting on my burea reports which they can not do when they are knowledgable and proven to have not gotten the right to dispute to me. This is a very ba violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have opened several disputes the dispute on XX/XX/2019 shows that these two collections were deleted yet it doesnt seem that this has been updated on my credit report ( s ) mainly XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Summary : Synchrony Bank has yet to respond to my repeated requests to : i. reject Synchrony Bank 's Arbitration Section of the revised PayPal Credit Account Agreement, and ii. to close my PayPal Credit Account.

On XX/XX/2019, I received a letter from Synchrony Bank ( dated XX/XX/2019 ), stating that Synchrony Bank will be the new " Lender '' for my PayPal Credit Account ( the previous lender for this account was " Bill Me Later '' ). Additionally, the letter stated that new Account Terms have accompanied the new Lender assignment, including ( among other term changes ) a clause requiring dispute resolution via Arbitration ( along with a clause that permits the rejection of the arbitration provision ). 

On the same day I received that letter, I wrote and mailed a letter to Synchrony Bank stating that : i. I wished to " Reject the Arbitration Section of the PayPal Credit Account Agreement '', and ii. that I requested to " Close my PayPal Credit Account ''. I also attempted to contact Synchrony Bank to inform them of these wishes via telephone, but each time I was met with hold times exceeding 120 minutes. 

To date, Synchrony Bank has refused to acknowledge or confirm my requests. Additionally, on XX/XX/2019, I received email correspondence from Synchrony Bank stating that my PayPal Credit Account was still open, contrary to my repeated requests.

My requests are the following : i. To reject Synchrony Bank 's Arbitration Section of their updated PayPal Credit Account Agreement, ii. to close my PayPal Credit Account, and iii, to confirm those in writing, all of which I had requested in my letter to Synchrony Bank dated XX/XX/2019.

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 2023-11-12
Company: LEXISNEXIS
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Lexis Nexis 3 times and asked them to mail me my Full Consumer Report with XXXX Report and I haven't received it. 
I contacted them on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX & XX/XX/XXXX at XXXX, all 3 times I requested my Full Consumer Report with XXXX Report to be mailed to me because I received an adverse action letter from XXXX ( Ref XXXX XXXX ) and other insurers as well, stating that I didn't receive the best auto rate due to what's in my Lexis Nexis Report. 
On XXXX XXXX at XXXX I contacted them again because I still haven't received it, and was told that it was mailed out on XX/XX/XXXX and I should receive it by XX/XX/XXXX which I have not. 
Now, because I haven't received my Consumer Reports to review the information in it, I'm forced to renew my policy on XX/XX/XXXX with an extremely high auto rate for someone with a good credit score of XXXX & an XXXX score of XXXX. My auto insurance premium is about 2- 3 times the amount I believe it should be. There's no reason why I shouldn't have received my reports in time before my insurance premium was due, 2+ months is a ridiculous amount of time to have to wait for something that I'm entitled to.

Company response to consumer: Closed with explanation