BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: MOHELA
State: CO
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:
I consolidated all my loans to Mohela. I have had to make several phone calls to them during the consolidation/ repayment starting period. Each time is more than an hour wait on the phone. Each time is someone different who gives me incorrect information leading to another call to Mohela. On XX/XX/XXXX I was denied IDR even though I met the criteria. After speaking with someone, they told me I did qualify, so on XX/XX/XXXX I was approved for IDR. In XX/XX/XXXX I noticed another error with only 2 of my 6 qualifying loans being included in my IDR plan, so I called again ( XX/XX/XXXX ) to figure out why I was placed on administrative forebearance. I was told I needed to provide income info, which I did and was told my payments on SAVE plan would be XXXX. Two days later when I called with my tax info, I was was told my payment would be {$42.00}. So XX/XX/XXXX IDR approved again, XX/XX/XXXX it was canceled completely. I receive notice all my IDR was canceled due to not providing tax info, which I have provided numerous times via phone calls after waiting more than 60 minutes to speak with someone. So with XXXX on XXXX tax of XXXX, family of XXXX, I am told I now owe more than {$800.00} due by XX/XX/XXXX, while my tax documents sit in " being processed '' status since XXXX. My husband is permanently XXXX, and I work for non- profit as primary income provider. I can't afford to pay {$800.00} this month, I met all criteria for SAVE and should not be responsible for an incorrect bill because Mohela can not do their job. This feels fraudulent and illegal

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

Complaint:
The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like Equifax, XXXX, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I checked my credit report, I had a negative mark that stated I owed {$1000.00}. to XXXXXXXX XXXX. The dates shown for services was in XXXX of XXXX or XXXX. I have always had medical insurance through XXXX XXXX and only go to XXXX XXXX when I go to a doctor or hospital. I tried talking to an associate from RashCurtis and didn't get anywhere with them, as they refused to communicate if I didn't provide all my personal information over the phone. The amount keeps going up and bringing my credit down. I tried to dispute this through the credit bureau only to have them say it was proven to be mine. When I try to communicate with them to find out how they came to this decision I get nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
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:
Please see the attached FTC report and Equifax data breach claim and remove the account XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX from my credit report. I never had an account with this company. If they are under another name, they have failed to identify themselves. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2023-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
The companies do not have the right to report the inquiries since they lack any permission so please DELETE them right away. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I am successor in interest as administratrix of the estate of XXXX XXXX. I provided my court documents and received a letter from NewRez 's agent, XXXX dated XX/XX/2023 that I was confirmed as successor in interest and was entitled to submit requests for information and for a payoff statement with respect to the mortgage account of XXXX XXXX. 
The home had a contract for sale set to close on XX/XX/2023. The settlement firm/title company requested a payoff statement ( which they tell me is usually provided to them immediately upon request ) on XX/XX/2023. They were unable to obtain a payoff statement and notified me on XX/XX/XXXX. I tried to request a payoff statement on line on XX/XX/XXXX, and got a message something like " error try again later. '' I called on XX/XX/XXXX, and found out that the servicer was changed in XXXX and I contacted the new servicer -Shellpoint. They have refused to talk to me saying their reviewers have not authorized them to talk to me. I have resent the estate documents- even though I was already confirmed as a successor in interest. As agents of NewRez, it should not be my problem that they did not transfer the information correctly. I have called every day, multiple times and continue to be denied a payoff statement. The representatives of Shellpoint say I am not authorized on the account and they can not provide any information - including what documents are needed so that I can be authorized. It is now XX/XX/XXXX and I do not have a payoff statement. This is a violation of 12 CFR Se. 1026.35 which requires the servicer to provide a payoff statement within 7 days. New Rez 's failure to provide the payoff statement has put the sale of the home in jeopardy since the contract requires a closing on or before XX/XX/2023. I am continually told by the representatives of Shellpoint that it will take XXXX hours, then XXXX days, today ( 13 days from the first request ) I was told it will take at least 2 more days for the review of the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked XXXX, XXXX, and Equifax to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit reporting 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 have several inquiries on my report from companies, I didnt authorize. 

XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Ive reached out multiple times no resolution was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Applied for SAVE repayment plan in XXXX. Mohela cancelled request and put me on standard repayments. They sent a bill for {$390.00}. I tried calling and was hung up on by a customer service rep after holding for over 2 hours. I reapplied for SAVE, it has now been approved but they have not adjusted the payment amount. My account still shows {$390.00} due for the next payment. Even though the SAVE program dropped my payments down to {$84.00}. Mohela refuses to adjust my account correctly. Ive tried calling, Ive send them secure messages on their website and I dont get a response. I dont know what else to do other than seek legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint to TRANSUNION for allowing fraudulent inquiries and fraudulent information on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate information are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit repor tis showing a couple inaccuracies that are affecting me a lot. I am set up to buy a home and upon reviewing my credit I have found that these questionable items are prolonging this already long process, as they are preventing me from getting a mortgage at a reasonable rate. This s supposed to be an exciting time in my life, but my wife and I are at odds due to this and it is putting a tremendous strain on our marriage

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act. 

ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

The next account request removed pay late. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights y request removed pay XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my XXXX y request removed pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rigths y request removed pay XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed paXXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting act 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

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 2024-01-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting 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:
Ally obtained a copy of the credit report without my consent. They claim they got the authorization from another lender. I have not authorize directly or indirectly my credit report be pulled to Ally.

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 2023-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone took my name and ss # and got edd with my information and credit cards in my name phones and all kinds of other things

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Examine the attached documents. I insist that the bureau begin an investigation into these accounts, as I am never late, but they are inaccurately reporting me as such.

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 2023-10-31
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i dont know what this is! my information was stolen. i have not applied for anything!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 took a look at my credit reports and I noticed that there were some unauthorized inquiries. I have sent a FTC report and I haven't gotten a response nor a deletion of these inquiries. I then submitted another FTC report to remove these inquiries as it is identity theft. Pursuant to 18 U.S. Code this is Aggravated Identity Theft because these agencies have been made aware of the situation and they did not take action in correcting this issue.

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 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have identified accounts on my credit that are results of identity thief. These accounts are not related to any transactions completed by me. I have read that I have rights to my information blocked and removed pursuant to 15USC 1681c-2. Please honor my request and removed these accounts for my credit reports immediately.

Company response to consumer: Closed with explanation