BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called in more than XXXX to XXXX about why my " payments '' wasn't accepted under PSLF. They had told me it was because of 1-2 minor check box in the form that was incorrectly placed. So I corrected them. Then I called back and they said to wait a couple more months, only to tell me that the new forms were also missing 1-2 minor details. So I resubmit the second time. Called back. They told me to wait a couple more months. Call back and all they said was sorry 1 form wasn't processed and by the way your loans have been transferred to MOHELA without them sending me any courtesy email/message or the so called " welcome package ''. Their only response is call mohela it's not our problem now. While that's half truth, I have messaged/emailed/called MOHELA to no avail. Today is my third time calling MOHELA and I was placed on hold for 3 hours before someone picked up the phone. I asked if I can get a callback if the lines get dropped, and they replied " sorry no we have XXXX others to answer ''. Calls got dropped. Called back XXXX to ask if they can do a courtesy email to verify with MOHELA that they receive my account. And they say absolutely not. " so you transferred XXXX of your client info all to mohela, and you can't even email them to verify if they got my package from you ''. XXXX replied yes. Is this lazy or irresponsible? How is it that they're my servicing providers for so many years, and upon sending my data/forms to a different company they can not verify or send an email to that company to verify? I have tried to call Mohela myself and check online but Mohela is not picking up calls on all 3 days and not responding to my messages/emails. Meanwhile there is a dateline on the waiver XX/XX/2022. Can someone from MOHELA and XXXX actually assist instead of passing the ball to the next court with no responsibility whatsoever? And mohela, how are you not picking up any calls?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refnanced on a loan that took more than 3 months to close. My cash back to the borrower has not been received. I have received no fund, my creditors have not received the payouts and there has been no feedback from the settlement company. 
The loan closed on XX/XX/XXXX with LoanDepot.com The Disbursement date was XX/XX/XXXX. 
Load Depot was fully funded on XX/XX/XXXX. ( Interesting that  LoanDepot received their funds on time ) It is XX/XX/XXXX - Past 48 hours and still no funds to me or my creditors. Loan Depot says it is up to the Settlement company to send the money. The settlement company is unresponsive and you can't even leave them a message on their phone. I e-mauiled them with no response. I even sent the CFO of  Loan Depot a XXXX message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: LA
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 Fair Credit Reporting act all these accounts have violated my rights XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXXXXXX 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 15.U.S.C 1681 section 602 A. States that 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is reporting inaccurately. This is a violation of the Fair Credit Reporting Act.

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 2023-04-25
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding LLC is calling me about a debt that I had no knowledge of for the amount of {$4200.00} I never opened this card and its put a ding on my credit report. This is not my doing I have no knowledge of what this is Im receiving calls asking me to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
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 have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My complaint is with BB & T, XXXX, NC. I have a checking account and a credit card and a Savings account. The Collections department keeps asking for payments, which I authorize, then they say they can't process the account numbers, in the meantime charge me late fees for non payment. I get transferred from one person to another who will only provide their employee number and not their telphone or email contact 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 2022-01-14
Company: Experian Information Solutions Inc.
State: LA
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:
I have requested a security freeze and my report from Clarity Services. I have yet to receive, and I do not agree.

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 2017-11-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was an XXXX card holder who paid for the debt protection service and credit monitoring service for ( 15 ) years or more ( gold card ). I loss my job and contacted XXXX to use the service until got a job. My request for was denied. During this time, I learned XXXX was being sued ( American express enforcement act ). The terms of the suit stated XXXX would credit accounts the monies. American express was to credit monies to the account of card holders or issue checks to individuals without accounts. I never received any monies from the settlement. Now XXXX is suing me for the outstanding balance on my account along interest, lawyers fees, and etc. I want like XXXX to to have deducts the monies owed me settlements. I need to know the amounts that should have been credited my account ; so I can have leverage when dealing with lawyers Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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:
I HAVE MULTIPLE ACCOUNTS REPROTING ON MY CREDIT REPORT THAT I HAVE DISPUTED BUT I HAVE NOT GOTTEN NO RESPONSE. I HAVE NOT OPENED THEWSE ACCOUNTS IN MY NAME I NEED THESE CREDIT COMAPNIES TO REMOVE THE ACCOUNT FROM MY REPORT.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The inquiries reported on my credit report are a violation of my privacy and the Fair Credit Reporting Act.

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 2019-12-18
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX  I have reporting this information for over two years and it cost me in numerous of way not being to provide shelter or purchase items at reasonable price conducive to my actual credit report. It has my credit score slightly down. I want this corrected immediately. It is registered with a XXXX balance and showing a foreclosure. You can't have a foreclosure and XXXX balance. I also can not have two1st mortgages at the same time. I also have spoke to this mortgage company and they have agreed it is inaccurate and stated it would better if Equifax and the credit. Bureaus correct their information. This information should be expedited on my report as soon as possible. I would this complete by tomorrow, I have waited too long for this process. I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: GA
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$7400.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/ Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : 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 2022-10-17
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 information incorrect

Complaint:
XX/XX/2022 I was reviewing my consumer file and realized I had inaccurate late payments reporting under my accounts which is causing me financial damage. I was not noticed and this wasnt brought to my attention which is a violation to my consumer rights. In pursuant to USC 15 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. There was not reasonable procedures conducted upon this situations and addition a creditor cant report an open ended consumer plan late for any reason. I would like to resolve this issue and just have the inaccurate information removed or updated on my consumer report LATE PAYMENTS : XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX, 2022 Sincerely, 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 2019-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX, and the subsequent response received on XX/XX/XXXX, enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.

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 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CarMax, Inc.
State: AZ
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:
Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: NY
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:
There are several negatives items on my credit report. I recently disputed them and still haven't got a response back.

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 2022-10-17
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received an email on XXXX XXXX, XXXX stating I spent {$15000.00} on my wyndham rewards earner card and earned XXXX Bonus Points amd they would be reflected on my XX/XX/XXXX billing statement. I did not receive those points on my statement nor at my Wyndham Rewards account. I contacted Barclay and the agent told me to wait 1 billing cycle and it would show up on my XXXX Statement. I just received my statement and they are not on there. I called XX/XX/XXXX and the agent said I received the email stating I earned the points, but won't be given them until XX/XX/XXXX. I haven't even received anything on my statements as previously promised, so im taking everything Barclay said as a lie.

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 2019-12-18
Company: TrueAccord Corp.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I've received notification from TrueAccord in regards to an alleged debt owed to XXXX XXXX ( XXXX XXXX ) in the amount of {$750.00}. I've have previously requested information in reference to this matter with XXXX XXXX several months ago and now this alleged debt has been bounced to TrueAccord. In accordance with the law, please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For the past 2 years I have been settling accounts and fixing accounts. Every time I apply for a loan my score shows about 100 point difference from what fico says, I keep disputing things that are settled and the day I apply all my old stuff gets re-recorded as new delinquent. Then my credit gets ran 20 times. I believe an inside influence is being used to cause me to have adverse marks and to prevent me to have credit of reasonable standard. I watch my credit super close I keep getting told my score does not match my file. I need an investigation to determine whom is altering my credit. This is all 3 major credit bureaus and none of them match.

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 2022-10-17
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went in XXXX Lane Bryant to make a payment on XX/XX/2022 for {$45.00}. It was done via account look up on the register. 
The next day I tried to make a purchase and my credit was not available. It was then discovered that my payment was applied to a charged off account from over 20 years ago. 
I called Comenity bank who issue the plcc and was told I would have to file a dispute that would take 30 days. I explained all that happened and during this time, Bread Finanacial was taking over Comenity and doing updates causing upsets to Lane Bryant, Torrid, XXXX, XXXX and more. 
I waited the 30 days and called back only to be told it was 60 days. I was placed on hold for hours and transferred to various departments and each department would give me conflicting information. I requested the funds be applied to my current account as the payment was intended for. I was told I would have to be issued a refund check but would have to send the receipt for the payment yet nobody would tell me where to send it to. I spent several phone calls and hours on hold and transferred over and over and then told 90 days. 
It has been over 90 days so I called and spent over XXXX hours on hold only to be told the dispute was not resolved but they could send me a refund check. I was then transferred to a recovery department who told me she had no idea why my call was transferred there as the account was so old there was no reason to. That person then transferred me back to customer care who said a check would be sent and asked for the email to send confirmation and then told me it it was not eligible. She said please hold and left me on hold for 30 minutes and I finally hung up and currently on hold again.

Company response to consumer: Closed with monetary relief