BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/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 2023-11-04
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I requested to change to the SAVE repayment plan thought the Studentaid.gov website on XX/XX/ and uploaded my the requested tax documents through the site. Studentaid.gov shows the servicer, Edfinancial, has received my application and it has been processing since the same date. In early XXXX I was able to log back into the new edfinancial site and saw no action had been taken or any sort of update. After a month and a half of no contact from the servicer I called and was placed on hold for hours and multiple times the call dropped having to start the call process over. On XX/XX/ I received a call back and they stated they never received my application and I would need to start over. Based on the call the agent submitted the application again and informed me it should be processed before my first payment was due XXXX My first statement after the pause was generation on XX/XX/ to show a larger amount due than what was expected with the save plan. I attempted to contact the service again and had the same issues trying to reach a live agent. Multiple email were also sent that received no reply. On XX/XX/ I was able to get another call back and the agent advised it was still processing and to check back in 10 days. On XX/XX/ I again contacted the service and was now advised the process would not finish until XXXX XXXX. I asked about forbearance until the process finished and was advised there was no need since everything would be backdated to the original request date. At this time I am showing past due and other than the verbal communication I have received no confirmation that my Save application has actually been submitted.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: TX
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 had several problems with Equifax actually investigating inquires on my credit report. I have submitted disputes and they simply send me a letter to call the creditors in question. I have called the creditors and they tell me that I MUST OPEN A DISPUTE with the credit agency directly to get it resolved. 

I keep getting the run around from Equifax about their investigation process into inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I filed XXXX complaints which the company finally responded to those complaints on XX/XX/XXXX. They explained which made no sense but supposedly my account is XXXX, and they have sent a XXXX to the credit bureau. In a heartbeat they can affect my credit but I have to wait XXXX days and have to watch my credit and if anything happens I can show them the letter. There was no error on our side. Everything was done on their end and now I have to watch and make sure nothing goes against our credit rating. Seems a little XXXX to us. We did nothing wrong and have to do all the work. Then to top it off we are still getting XXXX letters. And XXXX letters were sent not to the address on file, but to the address of the property that has the XXXX on it. Again another XXXX up on their part. 

So as long as we keep getting harassing letters from BMO, we will file a complaint against BMO. That seems to be the only way we can get an answer. And believe me if our credit rating is tagged, there goes another complaint. Seems to be the only way we can get their attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NV
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 have tried to resolve this serval time in mail and through this portal so now I will be doing a notice of claim before going to arbitration. They answer with generic response and not addressing the issue. This is emotional stressing me out and causing me to lose sleep.

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 2023-04-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX and Experian are both reporting a bankruptcy on my credit report and they have put in the date of furnishing as the US bankruptcy court of the northern district of Florida which is false. I have attached a letter from the US bankruptcy court of the northern district of Florida verified, and stating that they do not furnish information over to the credit bureaus or any credit monitoring service, nor do they verify and validate any info concerning bankruptcies XXXX XXXX and Experian are both listing this info on my credit report and have yet to remove 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 explanation
Consumer complaint received 2023-11-03
Company: EdFinancial Services
State: KY
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:
I was switched to Edfinancial as my loan provider. I had 2 loans. 1 was a XXXX loan I kept open as the interest rate was low on it. the 2nd loan was my large graduate school loan that was consolidated. They swithced my payment amounts for each loan. Meaning, I was paying {$470.00} to the large grad loan and {$64.00} to the small XXXX loan. When I was switched to this loan provider, they switched those payments so my {$470.00} dollar payment was going to the small XXXX loan and my small payment was going to my large graduate loan. 

I called about this initially on XX/XX/XXXX and continually have called back over the past year where I was told this would be escalated and sent to finance to process. I just received a letter in the mail that my small loan has been paid off. This is not what I wanted. Due to this error and now that the interest on loan repayment has begun, I am missing out on having paid down for of my loan over the past year and having to accrue a larger interest rate due to their error. They correct my loan payment after a year but then did not switch the back payments to the correct loan meaning now that interest has resumed I am having to pay a larger sum toward interest. 

Additionally, they have now changed my loan payment amounts with no reasoning provided. I am and always have been on a standard repayment plan. My payment amount should be fixed and not changed. Over the past few payment cycles my loan payments are varying and now they are set to be a smaller amount XXXX when my payment has {$470.00} for years. 

I have attempted to call back multiple times in the past few months trying to call back method ( which no one returned my call ) and also having waiting on hold to speak with a representative for 6 hours until I was disconnected. 

I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the past few months alone and have not been able to get this corrected. 

I need to have these issues corrected and my payment amount to be correctly adjusted. I have had this issue " Expedited '' 3 times now with apologies but no corrections or contact has been provided. I have signed up for paperless notifications from edfinancial to have that info come to my email but I only get letters in the mail with these changes to my account that are not correct.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-03
Company: EdFinancial Services
State: NY
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:
On XX/XX/2023, my servicer -- EdFinancial -- indicated that they had submitted a refund for {$21000.00} for approval by the Department of Education. More than two months later, I have not received that check or any useful updates about its status. I have tried numerous times to get resolution from Edfinancial, but in each call they simply say the refund is " processing '' without telling me what that means and when I can expect to receive the check.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2023-10-04
Company: EQUIFAX, INC.
State: DC
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX X XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2023-11-05
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
We are selling our condo and closing on XX/XX/2023 but can not get a payoff quote for our closing due to Mr Cooper getting hacked several days ago. Ive tried calling and going to their website and get nothing. If we dont get a payoff quote to the attorneys in time, by Tuesday, this sale wont happen and will affect us financially. We need to get this payoff ASAP. 

Thanks much, XXXX XXXX XXXX XXXX IL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions 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:
As a consumer under law, I am being ignored by Experian. Their willful disregard of this inaccurate reporting on my credit report is hurting my reputation and my way of living.

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 2022-09-27
Company: Financial Data Systems
State: SC
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'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: MD
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$880.00} ; XXXX  XX/XX/.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}

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 2023-09-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THERE IS A BANKRUPTCY THAT ISN'T MINE ON MY CREDIT REPORTS, THE CREDIT BUREAS GOT THIS INFORMATION FROM XXXX XXXX SO I REPORTED THE INACCURATE WITH XXXX XXXX AND THEY INVESTED AND FOUND IT IN MY FAVOR. THEY REACHED TO ALL THE CREDIT BUREAS TO REMOVE THE INACCURATE BANKRUPTCY BUT IT STILL SHOWS UP ON MY REPORT. IF THEY DONT REMOVE THIS I WILL TAKE LEGAL ACTION.

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.

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