BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX called my work ask for me. Then after that called asking for the owner of the company. Im 40 days passed due. They keep calling almost every day. My phone my grandma my sisters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have made multiple good faith attempts to pay this balance. Once in XXXX for a little over {$12000.00}. Sent via check that they never cashed nor was ever returned NSF. I had over $ XXXX in my checking account when I sent that check so the funds were good. That payment was sent in response to one of their regular monthly statements under what they categorized total amount to reinstate. The payment was sent well before the due date. 

If they would allow online payments after a person gets 60 days behind, this would not have been an issue. They cut off online payments so they can earn additional fees and late charges. 

Again I made a good faith effort to pay when I sent a bank wire on XX/XX/2023, per instructions from the Selene ( loan servicer ) representative, only to find days later that they returned the wire. No explanation. 

Here is the acknowledgement from my bank that the wire was sent. 

For account ending in XXXX : A Bank Wire disbursement from your account ending in XXXX to your bank was successfully completed on XX/XX/2023. Please remember that funds are made available based on your bank 's funds availability policy. If you have any questions or believe this is an error, please call XXXX. 

When I called back another representative agreed that she found the recording of the call where the previous agent gave me instructions to re-instate. She agreed that the wire was received on time, agreed that the amount was correct and the funds were deposited. She said unfortunately they did not process the payment because a reinstatement letter had not been sent so my payment was rejected. 

Now they want {$31000.00}. This includes {$230000.00} principal and interest which I am not disputing. They also want me to pay an additional {$8300.00} for fees incurred by them because of their loan servicing agent 's failure to accept payment. 

Following are details associated with this complaint : Borrower : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF XXXX ACQUISITION TRUST Your Servicer is : SELENE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MS
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:
I recently received a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To whom this may concern, There an Unauthorized my credit report again this happens twice when I live in this address XXXX XXXX XXXX XXXX. Even though I tried to freeze my credit often now and then but still I believe this same person stole my mail and applied for X1 credit card in the past use my information again. 
I saw my credit hard pull again with same company XXXX that always offer loan in my mail. My latest credit report show hard inquiries that I did not authorize on my XXXX XXXX APP on XX/XX/. XXXX XXXX  APP is always couples day or if not a week behind of update on credit profile is the reason why I just saw a hard inquiry showing on my credit report. 
I did contact XXXX regarding this issue but they told me to call local police again because this happened to me twice with XXXX  and luckily XXXX unable identify that person was me. Please remove this unauthorize hard inquiry out of my credit report ASAP! The XXXX XXXX Police give me this number XXXX for all the Credit bureaus companies to call in anytime to check the report. Police state they wont provide me with actual police report in PDF form is their own city policy. As you can see, Im very cautious with freezing my credit profile often now a day but due to I unable to freeze my credit report anytime on TRANSUION WEBSITE due to some kind of error that I unable to do Freezing manually on my own that causing me a whole lot problem like right now. 
Transunion need to fix issue on my back end so I can manually freeze and unfreeze my credit report anytime just like other credit bureaus to prevent hacker from use my information to apply again!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BANK OF AMERICA CLAIM # XXXX WHEN I CONTACTED BANK OF AMERICA AND ASKED TO VIEW VIDEO FOOTAGE OF THE FRAUDULENT ATM TRANSACTIONS THAT WERE DONE ON MY ACCOUNT AT THERE BANK OF AMERICA .IN XXXX XXXX ATM .I WAS TOLD BY A SUPERVISOR TO GO TO THE BANK AND SHOW MY ID AND GIVE CLAIM # AND THEY WOULD VERIFIDE ME AND I COULD GO BACK IN A COUPLE OF DAYS TO VIEW FOOTAGE WHEN I GOT TO THE BANK THEY TOLD ME TO GET THE FAX NUMBER OF THERE CLAIMS DEPARTMENT TO SEND SO WHILE I WAS ON THE PHONE GETTING THE FAX NUMBER OF THERE CLAIM DEPT THE GIRL THAT WAS HELPING ME WENT TO LUNCH OR SOMETHING BECAUSE NO ONE WAS AVAIL TO HELP ME FOR ONE HOUR SO AFTER THIS TASK WAS COMPLETED THEN CAME HOME AND THE NEXT DAY I CALLED THE BANK AND TALKED TO TALK TO ANOTHER SUPERVISOR AND WANTED TO MAKE SURE THAT EVERYTHING WENT THROUGH AND THIS SUPERVISOR INFORMED ME THAT THIS COULD NOT BE DONE THAT THEY WOULD EMAIL ME THE FOOTAGE OF ATM WITHDRAWS SO I CONFIRMED MY EMAIL AND i CALLED AGAIN THE NEXT DAY AND THE NEXT SUPERVISOR INFORMED ME THAT THAT COULD NOT BE DONE THAT I WOULD RECEIVED BY MAIL IN 10 DAYS I SHOULD RECEIVE FOOTAGE BY MAIL SO AGAIN JUST THOUGHT I WOULD CALL AGAIN THE NEXT DAY TO MAKE SURE EVERYTHING WAS GOING THROUGH AND AGAIN I WAS TOLD SOMETHING ELSE THAT ONLY POLICE DEPT COULD VIEW AND ANOTHER THING I SHOULD POINT OUT THAT EVERY TIME YOU CALL CLAIMS DEPT IT TAKES ANYWHERE FROM 20 MIN TO ONE HOUR TO GET THROUGH TO A SUPERVISOR THAT IS IF THEY DON'T HANG UP ON YOU WHEN THEY TRANSFER YOU 1. TOLD I COULD VIEW AT BANK IN TWO DAYS 2. TOLD I WOULD RECEIVE BY EMAIL 3. TOLD I WOULD RECEIVE BY US MAIL IN 10 DAYS 4. TOLD I COULD NOT VIEW ONLY POLICE COULD VIEW THEN AFTER ALL THIS MY CLAIM WAS DENIED EVEN THOUGH I TOLD THEM THAT THIS VIDEO FOOTAGE WAS IMPORTANT BECAUSE THERE IS A CURRENT COURT CASE IN XXXX OF 2022 MY CLAIM WAS DENIED THEN I FILED FOR A RECONSIDERATION OF MY CLAIM AND IT WAS DENIED IN ONE DAY

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 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
see 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 2023-11-09
Company: EQUIFAX, INC.
State: KY
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:
disputed the accurcy of the information being reported is inaccute and doesnt belong to me accourding to statement the company made no vercation to origal creditor was made and this account is not verifed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: VA
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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: Round Up Ventures, L.P.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed bankruptcy XX/XX/2023. Lendly was included in bankruptcy. Lendly is still reporting past due payment with a balance. I disputed with XXXX and Lendly yet information is still not updated. My lawyer states that this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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:
In accordance with ther Fair Credit Reporting act XXXX Account #, 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 withou 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 explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and remove them immediately in my report : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: MOHELA
State: CT
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 have 5 student loans ; all have been in forbearance. Dates issued : XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$2000.00} My loans have been transferred numerous times, starting with XXXX, XXXX, and now Mohela. Mohela has been very difficult to work with : On XX/XX/XXXX, during my 2nd call to review repayment options, the agent called me " WHITE TRASH '' and proceeded to tell me " I had to pay off my student loans, you are not getting a free ride on my watch ''. I had to call in a second time, because during my first call, I realized the payment plan was recalculated with a payoff date of XX/XX/XXXX- yet all the loans have been in forbearance. My loan terms are 25 years, per the Federal Student Aid website, and payoff amounts should be calculated over 10 years. They are insisting my loans are now 7 years. 

On XX/XX/XXXX, I submitted an application to the StudentAid.gov, because Mohela has refused to move my loan into the best program as advertised by the government. In speaking with an agent on XX/XX/XXXX, I was told Mohela was overwhelmed with applications, there computer system had been continually crashing, and the agent would " ... help me with my application, as soon as they helped the hundreds of other borrowers ahead of me ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: MOHELA
State: AZ
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:
Received electronic ( e-mail ) billing statement from MOHELA ( loan servicer ) on XX/XX/ with a due date of XX/XX/XXXX This billing statement was backdated to XX/XX/ and did not provide the 21 days advance notice as outlined by the Department of Education ( information here : https : //studentaid.gov/manage-loans/repayment/repaying-first-time ). The correct payment date should be XX/XX/. I have submitted the payment today ( XX/XX/ ) but am concerned that this will count as a late payment on my credit report. 

I have been unable to reach a representative of MOHELA on the phone, as the website reports high call volume.

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 2023-11-10
Company: EQUIFAX, INC.
State: TX
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 obtaind a copy of my credit report from XXXX, XXXX and Equifax and noticed several unauthorized inquiries. The inquiries were NOT authorized by me and I have demanded to have the inquiries removed or provided proof that I authorized my credit to be pulled by the companies. 

I was never provided proof/documents showing where I authorized the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions 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:
This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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 third 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. 
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 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 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 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 2022-06-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/2022 I purchased groceries from XXXX for {$74.00}. The groceries were not temperature controlled and damaged as a result upon delivery. I first went to the Chase website to dispute the charge, but rather than allow me to file the dispute in writing via their website, they forced me to contacted Chase by telephone to dispute the charge, resulting in an onerous, 27-minute phone call.

They refused to charge back the total to the merchant and unreasonably required me to enumerate each and every item in my grocery order to do so. 

As a result of Chase 's chronic failures to make disputes reasonably practical, I will continue to avoid using their credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: IN
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TN
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management has harassed me even after I told them to stop calling. They also are reporting false information as I paid off another of my XXXX Credit Card they are not taking off the balance. They continue to call even when I tell them to stop they just hang up the phone and call again a few days later they send letter after letter in mail and harass me to the point where I can't even get normal calls for work. I got call records and audio where I asked them to stop as I started to record every call I answer now with an app that auto records.

Company response to consumer: Closed with non-monetary relief