BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: MOHELA
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:
I consolidated my federal student loans in 2022 during the PSLF special waiver window. My loans originally and correctly were displayed on the MOHELA website as one consolidated loan. MOHELA subsequently separated the consolidated loan into a " subsidized '' portion and " unsubsidized '' portion, which is itself not congruent with a single consolidated loan. My primary complaint is that MOHELA displays different qualifying payment counts for the " subsidized '' loan ( 83 payments ) and the " unsubsidized '' loan ( 99 payments. Even if separated into two separate loans, as part of the legal terms of consolidation these two loans should each have 99 eligible payments -- the same number. I've contacted MOHELA customer service multiple times about this and they indicate by phone that the loans will eventually have the same higher payment count. However, they give no timeline of when this will happen, they give no reason why the number is different, they offer no formal process for how I can make this request, and they do not communicate this in writing. At the moment the incorrect payment count would represent 16 additional months of repayment. Thank you for your help in requesting for MOHELA to update the payment count to the highest eligible for each loan ( currently 99 eligible and verified payments ). 

The attachment shows correspondence from MOHELA that shows differing qualifying payment counts for the subsidized and unsubsidized loans. This was after a recent review of my loans on the same problem I submitted to the CFPB.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: MO
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 negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.

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 2023-03-29
Company: CORELOGIC INC
State: MA
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:
XXXX XXXX  officer XXXX XXXX ( XXXX  XXXX ) requested permission to run a hard inquiry on my credit. I did not get my consent for this pull. They ran my credit anyways. This is a flagrant disregard for FCRA.

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 2023-03-29
Company: U.S. BANCORP
State: MN
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 recently was monitoring my credit and I saw from the 3 credit Bureus, that there has been faulty inquires on my credit report. 
For example On XXXX I saw ( Inquiry date XXXX for XXXX XXXXl XXXX ) another example I saw was ( Inquiry date XXXX for XXXX XXXX XXXX ), also another ( Inquiry date XXXX from XXXX XXXX  XXXX ). 
These 3 were reporting on my XXXX. 

On my XXXX I see For example ( Inquiry date XXXX for XXXX XXXX XXXX ) The inquires for XXXX for example on my report I have ( Inquiry Date XXXX for XXXX ), another ( Inquiry Date XXXX for XXXX XXXX  ), also ( Inquiry date XXXX for XXXX XXXX ), Last that I see on my credit report is ( Inquiry date XXXX for 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX Acct # XXXX. 

Upon reviewing my credit report, I have noticed that XXXX is reporting a last active date of XXXX  for this account, whereas XXXX is reporting a last active date of XXXX  This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that XXXX investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that XXXX delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.

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 2023-03-29
Company: EQUIFAX, INC.
State: TN
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:
I filed a dispute to the three credit bureaus about a bankruptcy REF XXXX XXXXXXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 status incorrect

Complaint:
This account I already have a CFPB dispute opened which is XXXX XXXXXXXX XXXX XXXX Account Number XXXX  XXXX XXXX  {$32000.00} continues wrongfully report inaccurate information. Not only they are reporting to credit bureaus wrong but they adding another company XXXX XXXX Its showing that this account opened and I missed a payments but how this is possible if its charges off. Plus the dispute is still being investigated. So again I do not recognize the account the way its reporting to all three major credit agencies XXXX, XXXX, & TransUnion it does not meet the fair credit reporting act regulations. The payment status, the payment history, the past due balance, current balance, date opened, date last active,, the date of first delinquency are not correct and in some instances they are completely missing. How is this accurate reporting? I am demanding for this to be removed and reflect it in the proper picture on my credit report worthiness. All three major credit bureaus are supposed to protect my information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information currently I made multiple disputes with all three credit agencies regarding this account. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is getting share without my permission and its inaccurate information. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on credit profile they continue to break my rights please can this be removed permanently off all reporting agencies including TransUnion, XXXX, XXXX, & XXXX XXXX. Someone needs to be handled responsible for this careless, irresponsible, & racism act.

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 2023-03-29
Company: Park Hill Holdings
State: IL
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:
SAFERENT SOLUTION LLC XX/XX/21 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX did not Unauthorized 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 2023-03-30
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX  ) XXXX Balance {$950.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: HoldCo LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text stating my bank account had been hacked and called the number. To confuse the hackers, I was instructed to go to my bank and withdraw cash to deposit into an atm. I was then led around XXXX to several ATMs trying to find one that accepted cash. When I did, I was instructed to deposit the cash into the machine to confuse the hackers further. After I discussed it with my family, I learned I had deposited into a bitcoin machine and essentially was defrauded for {$2800.00}. XXXX Sent Info : XXXX XXXX XXXX Address : XXXX Order # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While I was XXXX  some one applied for multiple things in my name using the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX are the last items left as well as the address XXXX  is reporting inaccurate information to XXXX, they removed it and then it came back, XXXX XXXX is report inaccurate information to TransUnion. The accounts was open fraudulently I have provided all the infomation needed, police report, identity, l theft report, drivers license, birth certificate etc I would like these accounts and address removed from my file

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 2023-03-30
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had an acct ending in # XXXX with XXXX XXXX XXXX. I submitted a payment to correct an erroneous past due situation which destroyed my credit rating. After having communicated my displeasure with their service and comment that it would take 3 months to get my deposit back I decided to close the account. The response to this closure was another massive hit to my TransUnion Credit score ( XXXX points ). This need to be corrected immediately as it has already cost me dearly on a mortgage application.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
In 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. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : US DEPT OF EDXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number : 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 an 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 2023-03-30
Company: Experian Information Solutions Inc.
State: AL
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:
In 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. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: CA
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 second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item 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 item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MI
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX 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 accounts. 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 response to consumer: Closed with explanation