BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XX/XX/XXXX my Bank of America State of Michigan XXXX XXXX prepaid debit card was drained of {$5900.00} in over 3000 transactions by in internal breech of BOA. I have made numerous calls and complaints with still no resolution on their end. It is now XXXX, XXXX and I am still awaiting the return of {$2500.00}. I have filed 2 previous complaints with this bureau, and you have helped me. Time is of the essence as I have received this message from BOA : Please note that the Michigan Unemployment Insurance Agency has changed its process for distributing your benefits payments. 
What's happening : As of XX/XX/XXXX, Michigan Unemployment Insurance Agency stopped depositing funds to Bank of America debit card accounts. Your Bank of America card account will remain active until XX/XX/XXXX. 
What you need to do : Prior to XX/XX/XXXX, you may continue to use your card. If your card expires after XX/XX/XXXX it will not be reissued. To transfer funds to your existing checking or savings account, select the Transfer funds option within this site. If there are funds remaining in your card account after XX/XX/XXXX, you will need to contact us at the telephone number on your card for further information on how to obtain the balance. I am at a loss of what to do. I am not sure a fraud department exists. Thank you for your time.

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 monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but t I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.hey 're reporting me as late.

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 2022-10-26
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My federal student loans are being managed by Mohela. I submitted a form to them on XX/XX/22 for processing, and I needed this form for the purpose of public service loan forgiveness. On XX/XX/22, I received a message stating that the processing was delayed but I should get a response in 10 business days. As of XX/XX/22, two months after submitting the form, I have still heard nothing.

I called Mohela three separate times on XX/XX/22 to discuss this issue and to get additional info about my loans, but on each occasion I was informed that they can't take my call due to high volume. I tried to send them a secure message via their website but was unable to, because I just kept getting sent back to various links with irrelevant info. There are no other options for contacting them offered on their website. 

It is completely unacceptable that I am not able to get in touch with my loan servicer in any capacity. I have questions that need to be answered and it's literally impossible. This is a serious issue and I hope that people are providing adequate oversight for Mohela because their behavior should not be tolerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been with Capital one for at least 15 years. I have never made a late payment. They put a hold on my account. I have a XXXX balance as of today. For no reason they will discuss, they are asking me to provide a copy of my Florida drivers license before they will allow me to use the card again. They did the same thing several months ago and i reluctantly did so because I do not like sending that information over the XXXX to anyone who calls me or asks me in a letter to do so. When they took over XXXX XXXX credit card system, they asked me to do the same. I refused and destroyed the card. 
I believe this is a case of age discrimination ( I am XXXX years old ) or because I do not keep a balance and pay them much interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was provided a prepaid government issued debit card for unemployment benefits from US Bank. Starting in early XXXX without notice US Bank locked this card, which had a significant balance, and requested that I provide a copy of my driver 's license and a " selfie ''. I received a letter on XX/XX/XXXX after the account had already been locked. Unemployment had already verified my information. When I called about my concern that this sounded weird and that my other credit cards and bank did not require this, they told me that they were requiring this from everyone and my other financial institutions would probably start asking for it as well, which they have not! I said that I have had my identity stolen in the past and I was not comfortable with this and asked that my account be closed and send the money back to unemployment - not even me, just the " entity ''. They said that when a card has been locked they can not close an account. The letter I received said that if they did not receive the copy of the driver 's license and a " selfie '' by XX/XX/2023 that the account would be closed and the remaining balance would be returned to the " appropriate entity ''. It is now XX/XX/2023 and the account is still not closed and they have not returned the remaining balance to the unemployment office. I have a working spouse, what if I was single and had no other income?

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 2020-05-31
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30, 60 & 90-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. XXXX  written off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX  On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Capital One travel portal wasted 12 hours for a simple trip changes. Each phone call below had long waiting times : 1. Booked flight on Capital One travel portal 2. Made a change for one of flights. This caused reservation to be split on Capital One systems, but not updated on website, so from this point we don't see correct credits. 
3. Tried to book new flight with issues credit, and had to call customer service to do so. 
4. Checked XXXX website to select seats. Found out that reservation is XXXX instead of XXXX, making it impossible to pick seats next to my partner, with other restrictions. Capital One travel at no point said they are doing so. 
5. Called Capital One to fix this - this was the most frustrating part - Capital One kept blaming XXXX XXXX XXXX  and that it's really XXXX  and not XXXX reservation, and kept giving me roundabout answers. Was reassured that XXXX XXXX will fix this, but unknown when. 
6. Called XXXX XXXXXXXX to confirm, and yup, my reservation was XXXX and not XXXX. Now working with XXXX to fix this since 3 phone calls with Capital One didn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Navient Solutions, LLC.
State: TX
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:
Navient Student Loan Servicer : Since 2020 our interest rates have been placed on hold. I have continued to make my monthly payments ( even doubling them during this worldwide crisis ) however, Navient is still charging interest and I am paying interest during every payment for my loan. 

There is NO contact information listed other than an email-automated system that has severely failed to help, find help, or seek to have someone contact me to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As of XX/XX/2019 the account was Charged Off. Since the company is in violation of 16 CFR 433.1, 433.2, and 433.3 and this should have been an open ended account, they are posting false and misleading information in the public, which is causing damage to my person. 

The account says closed, but they are still doing inquiries into the account without my express written permission to do so. 

These are in direct violation of : 15 USC 1692c ( a ), ( b ) 15 USC 1692b 15 USC 1681b 15 USC 1681s 15 USC 1692e ( 8 ) 15 USC 1681n Pursuant to the 15 USC titles above, this is evidence that I am being subjected to custom and usage practices of BARCLAYS BANK and injury has occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-14
Company: ONLINE Information Services, 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:
This company claims that I have never contacted them but I have the proof which i am attaching again. I have never done any business with this company yet they are reporting on my credit report. I requested " validation '' yet they state they have sent " verification ''. The two are not the same. This company has no permission to use my social security number. This company has no agreement be me and them to utilize my my credit report. This company never reached out to me stating anything in regards to this account. I DO NOT AUTHORIZE AND NEVER HAVE AUTHORIZED THIS COMPANY TO UTILIZE MY SOCIAL SECURITY NUMBER AND USE OF SUCH WITHOUT MY CONSENT OUR AUTHORIZATION IS IDENTITY THEFT! They have violated many laws in FDCPA and I will be pursuing them in litigation if they do not remove these inaccurate and unvalidated accounts from my credit report. This company is in violation of many FDCPA laws including 15 USC 1692g. I want these items removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2023-07-14
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I returned a recast  package that included my XXXX payment and the {$500.00} recast fee to SLS via a prepaid 2 day XXXX  package on XX/XX/XXXX. I tracked the package on XX/XX/XXXX and it was still tracking to XXXX, NC. I called SLS and notified them that the package must be misplaced in NC and that I was going to make my payment with the recast fee online through my bill pay and that I was going to stop payment on the 2 checks in the lost package. I made the payment on XX/XX/XXXX which they received on XX/XX/XXXX. They emailed me another recast agreement which I also sent to them on XX/XX/XXXX. On XX/XX/XXXX they received the lost package and tried to deposit the checks that I had told them that I stopped payment on. I made my XXXX payment on XX/XX/XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX they reversed that payment along with my XX/XX/XXXX payment. They called me on XX/XX/XXXX wanting to know when I was going to pay my XXXX payment. I explained what happened and that I had a statement at home stating that they received my XXXX payment and that my next payment was due XX/XX/XXXX which I had already paid on XX/XX/XXXX. When the stop pay checks were returned to them they reversed both of my electronic payments as well. They have corrected my XXXX payment but posted that on XX/XX/XXXX instead of XX/XX/XXXX when they actually received it. I have a statement that I have attached showing next payment due XX/XX/23 amount due {$0.00} but when I called them today they are telling me that I have to make a payment to prevent a late fee. They can see that there are unapplied funds but they are waiting for the escalation department to apply the funds. So I called back and tried to do a payment over the phone but the system is telling me that there is no payment due. Can someone please help me??

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2020-05-31
Company: Experian Information Solutions 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:
These are not my accounts. Please remove them.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
14. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
15. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this 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