BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NY
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:
after trying to attempt to correct personal credit information and remove all non-medical information from my report from XX/XX/XXXX it has come to my attention that my information may have been involved in a data breach on or around XXXX, also after close research, I have discovered my private trust information is being sold by Experian, traded and exchanged in financial jurisdictions outside of the US without my express written or verbal permission. There has been a lack of transparency, disclosure, and misrepresentation as to where my private trust information is going. As the surety it is unthinkable that others have enjoyed unjust enrichment as a result of my information being traded, sold, and exchanged as it is more profitable for Experian customers to have lower scores so that they can " pitch '' various products. Also, on or around XX/XX/XXXX, XXXXI applied for the digital wallet/check checking account and I was refused access. This is outrageous, given the fact that it is my private information and credits coming from my private estate have now given that product they offer plus others, its value to be traded in financial markets.

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 2023-12-19
Company: MOHELA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Dear Ombudsman, I hope this letter finds you well. I am writing to bring to your attention a matter regarding my student loans, specifically concerning the forgiveness program. I recently became aware that there might have been an oversight in the forgiveness process that resulted in only a portion of my loans being forgiven. I contacted MOHELA and they informed me it was too late and there was nothing they could do. 
I am truly grateful for the assistance I have received in the form of loan forgiveness for some of my student loans. However, I recently discovered that I could have potentially qualified for forgiveness on all of my loans had I been informed about the option to consolidate two specific loans into the ones that were forgiven. 
Unfortunately, I was not aware of the consolidation option at the time, and I believe this lack of information has led to an oversight in my case. I understand the importance of following the correct procedures to ensure eligibility for loan forgiveness, and I want to rectify any oversight that may have occurred. 
I kindly request that you investigate this matter further to determine if there was indeed an error in the processing of my loan forgiveness. If it is confirmed that the consolidation of the two loans was necessary for full forgiveness, I respectfully ask for your reconsideration and the inclusion of those loans in the forgiveness program. 
I am committed to fulfilling all requirements and ensuring that I meet the necessary criteria for loan forgiveness. I believe that had I been informed about the consolidation option, I would have taken the appropriate steps to include all eligible loans. 
I appreciate your prompt attention to this matter and look forward to your response. As you look through this information, can you please put my account into forbearance. 
Thank you for your understanding and assistance in resolving this issue. I am eager to work collaboratively to ensure that all eligible loans are considered for forgiveness. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to get a new credit card, and I realized that I had damage to my credit report. According to the 15 U.S.C. 1681 law, there should be no damages on my credit report because it is a defamation of my character.

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 2023-12-19
Company: MOHELA
State: WA
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: Investigation took more than 30 days

Complaint:
Mohela reported my student loans to XXXX bureaus finally, but they reported them as Deferred and only included XXXX months of information out of the XXXX or XXXX  months it's been total. They were more concerned with my old original accounts reported since they actually reported them multiple times while I was waiting for the fresh reports. Their fresh reports did not reflect a single thing that I was told would happen if I enrolled into the Fresh Start program, It actually put me in a worse position than I was in when I had the collection accounts on my reports for multiple years. 

I was baited into the program using pure deception, and I would have not enrolled if I had known this was going to be the result. Everything I was thinking was going to happen was nothing but a big blatant lie directly to me over the phone. I was so happy to hear what would happen to my accounts and credit reports that I shared the wonderful news with almost everybody I know, including posting about it on multiple public Discord servers. I thought my life was finally going to get to a stage where I was able to get personal loans or business startup loans, credit accounts, pretty much all of the options the average XXXX XXXX has available. Nope, I still have absolutely no options, and now I don't even have any credit scores once again! XXXX years since I was scoreless and now I'm right back to square 1 with my non-existent financial opportunities. 

I also didn't receive any billing statement for XXXX, and I made a payment in XXXX voluntarily, yet my credit reports claim my last payment was the day before it was reported for the very first time and reported as Deferred on XX/XX/2023. 

Im going to consult with my lawyers to determine the extent of this whole thing with Mohela, and also Im going to file a lawsuit directly against the Department of Education XXXX XXXX that my accounts were transferred from, for deceptive business practices and everything else the incident falls under.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have multiple credit inquiries on my credit report that took place on the same day and those inquires should not be on there. The following inquiries would need to be deleted from my report as I do not have any credit with these companies : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX XXXX + Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Sales Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Sales Financing

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly disputed incorrect information on my XXXX XXXX account, and as early as today, I submitted my dispute, and they removed only one late. Please help to remove the remaining lates and restore my account to paid as agreed.

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 2023-12-20
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
The veterans affairs rebuffed in my payments for tuition as I just tried to get papers from there offices and they dont have any of my paperwork but refused to pay or provide any addition signiiture after ruining my schooling .Mohela also has charged me for loans that are in forbearance till XXXX through park being charged interest each time I deal with them its lie after lie I am trying to discharge my loans and now being called XXXX  by these people in retaliation. Because Im not a nurse and have XXXX XXXX I want these loans discharged Im being lied too and charged interest in loans I really dont owe because they were not accredited

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: MOHELA
State: NY
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 had XXXXXXXX loans since 2007. They are now owned by Mohela. I was in deferment for a lot of those years. I am currently working with the state and all my years that should have counted towards my PLSF are not showing as counted payments. I have reached out numerous times to them and they do not answer or disconnect immediately. They will not provide me with deferment dates or return calls. They have changed my payment schedule twice and I am receiving no notifications from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: GA
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:
Equifax failed to inform me of a data breach back in XXXX Now I am able to file a claim to receive compensation for their failed attempt in keeping my information confidential. Ive been making complaints since the beginning of the year to remove my name, previous address, phone numbers, email address, and previous employers off of my credit report because since Equifax was hacked anyone could have gotten my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from Equifax and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX XXXX FOR THE AMOUNT OF {$470.00} 2. XXXX FOR THE AMOUNT OF {$520.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
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: Reporting company used your report improperly

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update the following accounts : 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open 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. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I submitted information about inaccurate information on my credit report. Nothing was corrected. The credit bureaus continue to say things are verified and accurate when this is not true. There are inaccurate late payments on my credit report that violate 15 U.S. Code 1666b - Timing of payments. This needs to be corrected. In addition to, my identity being compromised. There are accounts on my credit report that do not belong to me. I have also attached an FTC report that I filed to support this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must get rid of the listed account from my file. 

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion put an eviction on my report without verifying! XXXX XXXX and 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 2023-12-20
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In early XXXX, I mailed in a form to MOHELA to apply for the public service forgiveness program ( I work for the state and have, or have at least close to, 120 payments completed ). After waiting two months, I called and spoke to a very nice man who suggested that I fax the form in. I did so on XX/XX/XXXX, and have not heard a word from them since. You can track your form on their website, but they continually tell me that my form has not been received or processed, although it states that it takes ten business days for it to be put into their system. In the meantime, interest continues accruing on the account and I'm paying about $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: MOHELA
State: OR
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:
My husband and I sent a check to Mohela to pay off my student loan in full ( approximately {$140000.00} ). The envelope contained the proper letter with my loan information and the check with my account number and name included on the memo. They deposited the check on XX/XX/XXXX. It cleared our account and was not returned. The deposit was never applied to my account. My account balance was not adjusted but my payments went to XXXX and my past due went to XXXX. We assumed they were processing the payment as they said things were taking a long time. They have now resumed asking me to make payments and can not locate the check we sent even though we have provided them with the endorsed check and our bank account statement indicating it has not been returned to us. I have been placed on hold for hours when I asked to speak with a supervisor. They do not return phone calls when the phone call is dropped even though they say they will. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation