BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX I was transferred from XXXX to MOHELA. I have been on income based repayment plans since I started repaying my loans in XXXX. In XX/XX/XXXX, I was placed on PAYE. In XXXX of XXXX, I updated my income for PAYE through MOHELA and was approved for a payment of XXXX. I recently applied for the SAVE plan. While applying, I noticed they placed my account on the standard LEVEL plan, and my payment is set to be XXXX. They did not inform me of this change. I called, they are not sure why this happened and claim they are unable to put me back on the plan that they approved me for in XXXX of XXXX. They now claim I am in forbearance until the SAVE application is approved, but I was not informed of this, nor did I request this. I still have no evidence that I am in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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, 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 2019-10-08
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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a phone call from a scammer on XX/XX/2023, whose caller ID came up as being Chase customer service. The phone number that came up on the screen also matched the XXXX number for Chases customer support line. I picked up the phone and the man on the phone informed me he was a customer service representative who was reporting fraudulent activity to me. A week or so prior I had an incident of actual fraudulent activity on my account so I thought that the man on the phone was calling me in regards to further attempts from that same incident. The man on the phone said he would help me set up a new account for me to which I could transfer the money into as to avoid further fraudulent activity. He read back to me the last 4 digits of both my checking and savings accounts which made me think he was an actual representative. I ended up transferring the {$4000.00} I had in my account to this supposed new account which had my name on it at the time of the wire transfer. It wasnt until after the call that I was able to see the wire transfer statement which showed that the account had been given my name as the account nickname and I had actually transferred my money to a man named XXXX XXXX. I called Chase back later that same day to report this activity and I was told that a report would be filed and the proper actions needed to retrieve my money would be taken. I called back some days later to check on the status only to find that the representative I spoke to did not file the report correctly and they would have to get my information again. After over a month of me calling to check in with them and even scheduling a meeting with a banker in person, I was finally told over the phone by a account services representative that no one at Chase could help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing about a {$50.00} debt that originated from XXXX. 

I paid Sequium Asset Solutions on XX/XX/2021, and the payment was posted on XX/XX/2021. Unfortunately, Sequium Asset Solutions claims that I did not pay the {$50.00} and turned the account back over to XXXX. I even tried giving Sequium the confirmation number and the agent claimed that I had to contact XXXX. XXXX keeps referring me back to the collection agencies. 

XXXX turned the account over to XXXX XXXX XXXX XXXX and XXXX placed a delinquent mark on my credit score, which severely dropped. I tried reaching out to XXXX XXXX to inform them that I paid the {$50.00} but nothing occurred and the mark is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Woke up this morning to a XXXX score drop. Reason for the drop is due to account remark/comment that were added on a XXXX XXXX credit card account account that was closed 6 years ago! I called Equifax to fix this, they said the previous rep I spoke with a week prior to remove account comments on my XXXX XXXX credit card ended up submitting a dispute on my XXXX XXXX account instead. So I asked them to undo the dispute or remove the account comments/remarks on the XXXX XXXX account since I never request for it, they were not able to. 

I've noticed with Equifax and only Equifax, when you dispute a negative account and remarks are added after the dispute, it often results in a significant score drop. It's as it re-age the negative payment/status to recent. So although that account was closed 6 years ago as a charge off, once a dispute is submitted and account remarks are updated it looks as if the delinquency is recent. This practice should be illegal! It happened before on XX/XX/XXXX, when a dispute remark was added to my HD account and it resulted to a XXXX points scored dropped. Called Equifax immediately to remove the account remarks, my score went back up XXXX points the next day, Go figure!. Credit is a very important thing to one 's livelihood, Credit bureaus like Equifax should not be able to toy with people 's lives like this. I'm in the process of purchasing a home and a car and now I may not be able to after this XXXX point drop for no reason. This nation has truly FAILED it's people by allowing these credit bureaus like Equifax with their inconsistency and inaccurate reporting to get away with all they do to ruin people 's lives with little to no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account XXXX XXXX  with the account number XXXX is said to be a collection account that was sold to Source Receivables Management with the same account number showing on my report. This collection account were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. This particular collection account should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. This should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX originated my mortgage. They transferred my loan to Wells Fargo AFTER I made a payment. Wells Fargo is not showing that payment as having posted, but I already paid it weeks ago! 

Now I received a letter from Wells saying I have a payment due in only four days, and they aren't answering their phones.

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 2018-08-23
Company: American Accounts & Advisers, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my car broken into where personal information and creditmcards were stolen is XX/XX/XXXX. I was a victim of identity theft as a result. Most recently, In XX/XX/XXXX I became aware that someone used my personal information to obtain medical services in XXXX XXXX. XXXX XXXX and their client American Account Advisors placed a fraudulent collection on my credit report in XX/XX/XXXX. I sent them the police report filed last XXXX and the Identity theft report I filed with the Federal Trade Commision and requested they remove the fraudulent collection from my credit report. They have not responded to my request or removed the information from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Continental Finance Company, LLC
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:
Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, Continental Credit, and Continental Finance Company , LLC notifying them that my XXXX credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX   credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. 

As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.

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 2019-05-14
Company: EQUIFAX, INC.
State: OK
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:
XXXX  and Equifax are in violation of act s 611 5 b of the fcra I have 8 inquiries XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and 2 from XXXX XXXX  XXXX and XX/XX/XXXX on my report that is not suppose to be there these are not suppose to be on my credit report. I sent disputed letters, XX/XX/XXXX, XX/XX/XXXX, complete dispute online, XXXX customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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  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 non-monetary relief
Consumer complaint received 2022-03-26
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) toyota motor credit account # XXXX 3 ) XXXX XXXX account # XXXX 4 ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION Date : XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : XX/XX/XXXX I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681 I, that you investigate these accounts. 

Account Name Account Number Reason XXXX XXXX This collection is not my account. 





I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 


Thank you for your time and attention to this matter. I look forward to hearing from you soon. 




( Please sign here ) Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, TX 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 2022-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY IDENTITY HAS BEEN STOLEN!! AN IDENTIFICATION OF ME HAS BEEN USED WITHOUT MY PERMISSION TO OPEN SEVERAL ACCOUNTS THAT HAVE DAMAGED MY REPUTATION I DID NOT BENEFIT NOR DID I AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION BANK OF AMERICA RESULT OF FRAUD AND IDENTITY THEFT... I SENT A FTC REPORT and Identity Theft Victims Complaint and Affidavit.. I contacted bank of america recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) XXXX  sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE along with my police report they sent it back to me!!! Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting

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 2022-03-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My husband and I bank with Chase, but our car loan was with XXXX XXXX. We decided to pay off our car loan but werent sure how to go about it. We contacted XXXX XXXX first but were told we could not pay $ XXXX by phone and that we would first need to increase our credit limit and visit a XXXX branch in person to make a payment abs we could use a debit card to do so. Next, we called Chase and explained that we wanted to make a $ XXXX pmt on our XXXX loan abs asked what we needed to do. Their only helpful suggestion was to increase our credit limit for the day. My husband then went into ya XXXX branch to make the pmt. His banker was a young girl who seemed new and didnt know how to process his large pmt. My husband offered to go to Chase to get a cashiers check and speed up/simplify the process. The banker said she would get her manager to help her. The manager then did over rides and told my husband, let me try this after asking for his debit card. A day or two later, we noticed a non ATM fee of almost {$900.00} charged to our account. Not once were we ever advised of the possibility of a bank fee if we allowed our debit card to be used to process our $ XXXX pmt. We opened complaints with both XXXX and Chase executive depts. XXXX stated the bankers who assisted my husband claimed to have informed him they were processing a cash advance and advised him of possible fees-this is a complete lie. The signature line of his receipt is blank. Nothing was explained, she did over rides on everything and nothing was explained. As for Chase, they said despite failing to disclose or inform us of fees by phone-their bank fee schedule is available online so that protects them from needing to assume responsibility for failing to disclose a fee to us. Please help. We need our {$900.00} back. That was our mortgage payment for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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