BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This complaint is regarding Mohela and their lack of response to employment certification for XXXX XXXX XXXX XXXX ( XXXX  ) and my eligibility for forgiveness through the XXXX program. 

On XX/XX/XXXX, I submitted a XXXX  application document through their website with employment verification from my employer, XXXX XXXX. I have confirmed they received the document and it is listed on their website as uploaded and " processed. '' On or around XX/XX/XXXX, I received notice from Mohela that my other uploaded applications certifying employment had been processed and a change in qualifying months was observed. My XXXX application for XXXX XXXX ( submitted on XX/XX/XXXX ) also stated it had been " processed '' ( as did the other applications ) however those months are not counted. On XX/XX/XXXX I submitted the same XXXX  application document that was submitted on XX/XX/XXXX. 

In XX/XX/XXXX I contacted Mohela to inquire the status of my XXXX application, the reported it would take XXXX  months to process but declined to comment on the fact that my initial XXXX  application for my employment with XXXX XXXX was submitted XX/XX/XXXX, which was XXXX months from the date of my call. 

The XXXX application submitted on XX/XX/XXXX ( and resubmitted on XX/XX/XXXX ) will satisfy the remaining XXXX  months of employment certification that will bring me to XXXX qualifying payments which will qualify XXXX of my loans for forgiveness. Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XXXX XXXX and Loan # XXXX disbursed XXXX {$8400.00}. Totaling {$24000.00}.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 bankruptcy discharged ; # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-14
Company: Atlanticus Services Corporation
State: NC
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 have an Aspire credit card. Small credit limit but I ve used the card during a time my wife has faced serious health issues. I was late twice by a few hours as they have this XXXX EST CUTOFF on payment dates and had a large payment due. Aspire promised a {$75.00} credit if I made a payment of XXXX by XXXX. I made that large payment on XXXX and no credit given. 5 conversations now where I ve been promised the credit within 14 days from date of XXXX. I still have not received credit and do not believe I will receive. Thats wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today, XXXX, XX/XX/XXXX, I am filing a complaint on accounts that were fraudulently opened under my identity. I check my credit reports on a daily basis since I have been victimized with identity theft since XXXX of XXXX last year. Utility accounts have continuously been opened under my identity linked to Texas addresses I have no association with. I am and have always been a resident of New Jersey all of my life and have never visited or resided in Texas. Upon checking my credit reports yesterday, I discovered two new fraudulent accounts that were placed for collections under my identity. The two utility companies that sent me to collections are XXXX XXXX and XXXX XXXX XXXX and both accounts were taken over by the collection company, Online Information Services. After discovering these collections on my accounts for all three credit bureaus, I contacted Online Information Services to dispute both fraudulent accounts yesterday on Thursday, XX/XX/XXXX. I spoke with their representative, XXXX, who provided me with all the information on both of these fraudulent accounts. She stated the XXXX XXXX account is in collection for the amount of {$620.00} and the address linked to this account is XXXX XXXX XXXX, XXXX, Texas XXXX. This fraudulent account is owed {$620.00} as of XX/XX/XXXX. The XXXX XXXX XXXX account is in collection for the amount of {$490.00} and the address linked to this fraudulent account is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. The amount owed is {$490.00} as of XX/XX/XXXX. In total, the collection agency, Online Information Services, is attempting to collect {$1100.00} for these fraudulent accounts. The dates these utility accounts were opened are around the same months from last year that I have submitted complaints for other fraudulent accounts with CFPB. After viewing my older complaints filed with CFPB, I saw the address XXXX XXXX XXXX XXXX, XXXX, Texas XXXX appear on my Complaint # XXXX. The identity thief using this address sent me into collection with another collection agency, XXXX XXXX XXXX, which was later resolved. After believing the identity thief could no longer open accounts under my identity after placing freezes on my credit reports, I was wrong and still continue to discover fraudulent accounts being opened and sent into collections under my identity. I have filed police reports documenting this entire identity theft situation and I have been placed under the FBI database in regards to this matter. This whole situation has been a nightmare and has taken a toll on my mental health not knowing what I will discover next. CFPB has truly been a blessing in helping me resolve my credit report issues and I pray this identity thief is caught so this can all stop for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have you spoken to the manager and he agreed after me providing police report and other supporting documents that this account does not belong to me and Ive never signed it wet signature for this account. Im a victim of identity theft and they agreed to remove this from your credit report and collection agencies.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hi! 
Thank you for reviewing my issue. 

I have two major unknown errors or thefts on my transunion credit scores. I seen that under the alert section today. I see an unknown address on my report- Date is XXXX. It shows XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Co, XXXX. Never been there or has anything to do with it. 
Second, I see an unknown Account as well which shows balance of {$420.00}, account number is XXXX. I am not sure why it is there and who's info. is on my account or who is using my account?! It shows date of XXXX, 2023, so it is recent! 
I hope this gets resolved. 
I also don't see any clear explanation for drop in XXXX credits points. 
I hope this issue gets resolved soon as I'm worried about my account privacy and credit scores!

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-26
Company: Leafy Financial, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection on my credit report for a debt that is not mine show up on my XXXX, XXXX, and XXXX credit report. I disputed the debt right away as the original creditor is not someone that I signed an agreement to extend credit with. I was notified that the debt was validated and remains. I submitted another dispute with the request from all three and to no avail, the debt was again validated. 

I do not owe this company, I have received no information of a debt from this company and the requested proof of debt has yet to be provided. I have another collection that the company has also failed to do and all three credit reporting agencies have failed to provide any proof of validity to the debts. I have contacted the companies and both still fail to validate the debt and are demanding payments that I do not owe. They have yet to provide any legal proof that I owe these debts. 

XXXX XXXX in the amount of over {$7800.00} and they are charging more than 80 % interest on a debt that was paid. The original company has been out of business for over 4 years. The debt was paid in full in 2016. 

Leafy Financial , LLC in the amount of over {$5400.00} for " XXXX '' XXXX. I financed through XXXX and that was paid in full with a XXXX balance. XXXX XXXX has not returned my call nor contacted me back via email to discuss this account. This is not a valid debt and that debt is not owed to this furniture store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Avant Holding Company, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Payment process is intentionally difficult in order to charge fees. I paid my monthly loan payment before the due date in XXXX, but my payment was not applied toward the monthly payment because I received a notification that my auto draft payment was unsuccessful. I called customer service and was assured that my account was current, I would not be charged any fees, and further auto draft attempts would cease- this was not true, I was charged a fee by avant, though no payment was late, and I was charged a fee by my bank for their attempts to draft an additional payment. For the month of XXXX, again I manually paid my monthly bill, and it did not automatically credit my payment toward the bill for XXXX, instead my account still wanted an additional payment. I called customer service where they had to manually apply the payment I made toward my bill, lest I incur another fee- after the change to my account was made by customer service, there was an erroneous fee that did not appear before, I attempted to contact customer service again, but was repeatedly hung up and unable to gather any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
I disputed XXXX charges on my Citizens Bank credit card account. Citizens bank instead pf promptly resolving my dispute started to overburden me with requests for additional documentation that does not exists. In the attached letter they requested that I explain again what I had previously explained to them and requested documents that I had previously provided. 

It appears that Citizens Bank is reluctant to investigate unauthorized charges on customers ' accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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 disputed incorrect information on my credit report and Equifax continues to report this incorrectly for months. 

This incorrect reporting is causing great harm to my score XXXX betterment of life. I have asked to be shown how this information was verified and I have not received anything to address that verification process. 

Again I will attach photos of the incorrect information that shows on my credit. 

This bureau continues to have bad business practices and the CFPB continues to allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 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 Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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