BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am looking at XXXX and this company is in clear violation. The loan balance for all 3 bureaus are showing inaccurate information and incorrect balances. I need this to be validated. Please send me the person you spoke to from the XXXX  and I don't want copies of no documents. I am requesting original documents which I am entitle to. Please remove this inaccurate information until you can show factual and valid information. I am enclosing proof from all different bureaus.

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 2021-10-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have met the requirements of XXXX payments to qualify for loan forgiveness through the XXXX program. I submitted my for to Mohela on XX/XX/. I was informed it can take up to 30 days to process. It has now been more than 30 business days and the form is still processing. This process has delayed my forgiveness as payments start to resume. 

Mohela 's response via message : XXXX XXXX XXXX XXXX XXXX ( click to open ) : Received Date : XXXX XXXX XXXX Body : Your Question : Hello- I have reached XXXX payments to qualify for XXXX. My form was submitted with esign on XXXX which is still processing days later! Why has this not been updated to reflect XXXX payments so that i can be submitted to XXXX for final approval? Should I submit a manual signed form? These were processed much quicker? 

MOHELA 's Response : Thank you for contacting MOHELA, We received your Public Service Loan Forgiveness ( PSLF ) applications on XX/XX/2023 and XX/XX/2023. Please allow 30 business days for processing. You will be sent notification after the processing is complete. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX., Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX  XXXX 

Thank you, MOHELA Phone XXXX Fax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX T-W, and XXXX TR-F. XXXX. XXXX XXXX XXXX, XXXX, MO XXXX. This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. California residents : The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX. or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. 

If you do not want to receive future information of this nature, please unsubscribe or contact customer service at XXXX.

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 2022-09-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV funding is trying to collect a debt that they can not validate as mine. They refuse to provide bill of the original creditor explaining how they came up with the amount they claim owed etc and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. They also have not provided any copies of Contracts showing the original Debt they bought as mine to begin with and are trying to collect on a debt that is unverifiable and inaccurate. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: AL
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. ThIS is the item I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2023-10-04
Company: EdFinancial Services
State: MD
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 have sent 4 emails to EDfinancial requesting a forbearance due to a medical emergency that my child suffered in XXXX. I am asking for this under President Bidens " on-ramp '' program which states " Borrowers who miss their payments between XX/XX/XXXX won't be reported to the credit reporting agencies, nor will they be considered in default. Their loans also won't be sent to collection agencies. '' It also states that borrowers do not need to take action to get into. Having said that, I will not need the full year. I will need until XX/XX/XXXX to pay unexpected medical bills for my son. As I said I sent 4 emails and I have spoken with a customer service rep via the chat feature and that customer service rep is the one who told me to do this. On EDfinancials website it states that emails will replied to in 4-5 business days. My first email was sent XX/XX/XXXX. My chat with the rep took place in XXXX... I believe that EDfinancial is purposely ignoring customer emails so they can pretend that they weren't given ample notice. The " On-Ramp '' program gives a year with no penalty... If I do not receive any response or communication from the business I will take the entire year that the " on-ramp '' program gives me. This is bad business and I will also be reaching out to the Department of education with this same complaint. Here is a link to more information on the " on-ramp '' XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy.

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

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 2022-09-18
Company: Heartland Resolution Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls while Im at work, attempting to collect on an alleged debt that over 5 years old. The statute of limitations for Texas is 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: VA
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 demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX XXXX XXXX  FIN Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  FIN Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/2022 Please remove it 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 2022-09-18
Company: EQUIFAX, INC.
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:
Recently, I did an investigation on my credit report which cuased severe XXXX upon me and found information provided was inaccurate and questionable that your agency did not make sure it was reporting 100 % accurately. 

In accordance with the Fair Credit Reporting Act, evertyhing has to be 100 % accurate on my credit report and under 15 U.S.C 1681 Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accuratly. 
XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
No Additional Information was provided by Creditor. Creditor also Failed to show proof of ownership and debt verification in a court case. XXXX XXXX XXXX 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 consent. They have failed to provide proof to me, and proof to the courts that they own this debt or have a lawful right to collect on this debt. 

Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. No information has been provided to me personally on this debt. Also this Collection Agency has failed to provide proof of ownership of this debt. n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 consent. There is not a contract between XXXX XXXXXXXX XXXX and I and never has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: American Finance LLC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX day of XX/XX/XXXX, an agreement was reached between XXXX XXXX XXXX and XXXX XXXX XXXX who unlawfully assigned rights to a third-party agency name American Finance the property description of a XXXX XXXX XXXX which is indeed used for personal, family, and household usage. After exercising my right to cease and desist American Finance via phone call, they broke the violation and continued to email me using excessive documentation trafficking and threatening to seize my property if a payment on a positive balance not made in the amount of {$180.00} and {$170.00} due today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and Experian immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and Experian with no success. Im also including a copy of the police report that was filed for the identity theft.

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 2022-06-23
Company: Experian Information Solutions 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 have been aware for a long time that i have been a victim of identity theft. The bureaus have been no help. I have been trying to remove these negative, fraudulent accounts on my credit report and the bureaus refuse to budge. After a while i got in contact with a nice lady in the credit bureau an she instructed me to get a police report. That's exactly what i did and i have now included it in my complaint.

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 2021-08-03
Company: National Credit Adjusters, LLC
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:
XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities NCAXXXX NATIONAL CREDIT ADJUSTERS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had an out court debt settlement pay arrangement to a debt with this company. The company did not show up the Scheduled Court Hearing and their did not respond to Judge and myselft about the No Show. The Judge advised sent in the final payment of the arrangement. On XX/XX/XXXX I received the Cashiers Check from the Debt Collector staying that I can not request and letter stating that the agreement was paid full.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy. 

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account ( XXXX ) with " XXXX XXXX XXXX '' still showing on credit report. 

Delete IMMEDIATELY. 

Account # : XXXX ( Still showing and needs to be deleted across all 3 Bureaus ). 

All other accounts have been deleted as a result of dispute. This should be the same.

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 2022-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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 didn't ask for these companies cards and don't know where they came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-25
Company: Experian Information Solutions Inc.
State: IL
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:
on my credit report with Experian, XXXX, and XXXX, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX, on XXXX XXXX, clearly not 30 days late, i sent letters to the three cedit bureaus, by certified mail threw the postal service.i sent each one a copy of the XXXX XXXX payment, and the receipt from the XXXX exchange where i purchased it, i have copies of everything, and they still refuse to remove the late payment for XXXX, from my credit reports, my payment was {$380.00}, a month, on the XXXX of each month

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