BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: MOHELA
State: IL
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:
XXXX XX/XX/2023, Financial Student Aid approved and letter was received XXXX XXXX. The agreement stated that the repayments were to start on XXXX XX/XX/2023 for the amount of {$180.00}. Mohela sent a bill on XXXX XXXX that stated that I was required to pay {$340.00} starting XXXX XX/XX/2023. I contacted Mohela on XXXX XXXX and received a callback due to high call volume at XXXX. I relayed my issue with the customer service agent and was subsequently transferred to another agent who related that they see the documents from FSA as well as the subsequent bill from Mohela on my account. The agent them related that I needed to reapply for an IDR which I refused and asked why the SAVE IDR agreement was not being honored. The agent refused to provide an explanation. I requested information in writing as to reason for the rejection of the FSA agreement. The agent placed me on hold and then returned stating that they will resubmit my IDR in their system and place my account on hold so that I do not have to pay the escalated amount in XXXX. I was also advised that my IDR from FSA may not be honored in the future. I advised the agent that this is possibly illegal practices and that as a servicer they are required to honor agreements from FSA and such threats should not be made. I advised agent that CFPB will be notified of this interaction as well as FSA and an ombudsman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: NY
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 following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-24
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Mortgage Mortgage Account Type - Detail : Unknown - credit extension, review, or collection XXXX XXXX  loan Bureau Code : Joint Joint Account Status : Open Open Monthly Payment : {$150.00} {$150.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$7600.00} {$7600.00} Credit Limit : {$0.00} {$0.00} Past Due : {$4000.00} {$4000.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - XXXX XXXX loan 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-24
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Mortgage Mortgage Account Type - Detail : Unknown - credit extension, review, or collection XXXX XXXX loan Bureau Code : Joint Joint Account Status : Open Open Monthly Payment : {$150.00} {$150.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$7600.00} {$7600.00} Credit Limit : {$0.00} {$0.00} Past Due : {$4000.00} {$4000.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - XXXX XXXX loan 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the Public Records and on My credit report which was reported by a third party and i have sent over documentation showing that it was not supposed to be on there furthermore they have Violated my FCRA, Privacy and Gramm-LEach-Bliley act rights. This is what have been violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act. 

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley AcXXXX requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

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 2022-08-21
Company: Experian Information Solutions Inc.
State: SC
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX In 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I disputed some false reporting accounts and inquiries on my credit report and to this day have heard no response it is well past the time I've had to wait and im seeking litigation immediately I need to have these accounts removed immediately.

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 2022-04-23
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I disputed some false reporting accounts and inquiries on my credit report and to this day have heard no response it is well past the time I've had to wait and im seeking litigation immediately I need to have these accounts removed immediately.

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 2022-08-21
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:
This is a follow to a complain I sent back in XX/XX/2022. XXXX response was incomplete. They responded on XX/XX/2022 with I may have been a victim of fraud. That was their conclusion. Experian responded that they contacted the data furnishers and asked them to verify the accuracy of the information with I disagreed. They responded and verified that the disputed information was accurate and verified. XXXX responded that item was removed and not currently reporting on credit file. 

How is it that XXXX wasn't able to verify that the report was accurate but Experian claims that the companies was able to verify it as accurate. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

These accounts are still reporting as in accurate XXXX XXXX account # XXXX XXXX XXXX XXXX # XXXX. I have attached an updated credit report. 

Also, XXXX stated that they removed the accounts and not currently reporting but somehow, they are still reported on XXXX 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 2022-08-21
Company: EQUIFAX, 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:
This is a follow to a complain I sent back in XX/XX/2022. XXXX response was incomplete. They responded on XX/XX/2022 with I may have been a victim of fraud. That was their conclusion. XXXX responded that they contacted the data furnishers and asked them to verify the accuracy of the information with I disagreed. They responded and verified that the disputed information was accurate and verified. Equifax responded that item was removed and not currently reporting on credit file. 

How is it that Equifax wasn't able to verify that the report was accurate but XXXX claims that the companies was able to verify it as accurate. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

These accounts are still reporting as in accurate XXXX XXXX account # XXXX XXXX XXXX XXXX # XXXX. I have attached an updated credit report. 

Also, Equifax stated that they removed the accounts and not currently reporting but somehow, they are still reported on Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # Unknown, Open Balance {$210.00} ( Collections ) has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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 2022-07-27
Company: EQUIFAX, INC.
State: TX
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:
CFPB and Equifax I did not get an answer the question { about why you Equifax was sending Disputes In general to XXXX } in their response they go around the question and never answered it again I request an answer to the Question XXXX how can a case be closed with NO answer please reopen this case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A MOBILE PHONE SERVICE ACCOUNT AND RECIEVED MEDICAL ATTENTION IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA & # XXXX XXXX ON XX/XX/2021 I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT, ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USAGE OF THESE ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICEFOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

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: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian continuously sends me notification emails about new products they offer. 

They claim that these emails are not marketing emails because they sometimes include a link to check my credit report. However, it's clear that the primary purpose of these emails is marketing, and not " a recent change to my account '' or " important information about your account ''. 

This is particularly the case because clicking on the link in the email takes the user to an aggressive, full-screen, up-sell to a " premium service '' that no user who understands the credit reporting system would agree to use.

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 2022-08-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I pay my credit card bill each month to avoid the 19.99 % interest charge. Last month, while paying my bill on the Citi bank website, a pop up offered a {$20000.00} flex plan loan with an 8.99 % interest rate. I took the loan to help pay for my sons post education. I received my bill and paid the balance of my purchases for the month plus the plan payment amount for the Citi flex loan. I received my next bill and there is {$98.00} in additional interest not related to the loan. I call Citi. Thirty-two minutes later, the Citi rep confirms that although the loan plan payment amount is itemized separate on the bill, the application of the payment results in being charged the higher 19.99 % interest rate on the purchases. In other words, the 8.99 % loan results in being charged 19.99 % on the purchases UNLESS the bill is paid in full ( both the loan and the purchase balance is paid in full ). Which means that while the loan balance is technically 8.99 %, youre payment is being applied in a way which results in an overall blended rate that is much higher. The only way to only to use the loan as sold, is to take the loan and NEVER use the card again until the loan is paid off. This is all very confusing, but certainly unethical. I asked for an email to complain. She said there was only a PO address. I can not believe this is legal and being pushed on consumers. Im educated, worked XXXX XXXX XXXX XXXX, and I am sure many others who carry balances are being hoodwinked into increasing their debt at interest rates while beyond what was sold to them. She mentioned fine print. I honestly dont recall anything more than clicking accept, but even if I did, there is no way this is being explained in a way which is ethical.

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 2022-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Company has been reporting account and does not reply to any of my inquiries.

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