BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: MOHELA
State: NJ
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:
For more than 10 years, I have been pursuing Public Student Loan Forgiveness ( PSLF ). Prior to the end of the special waiver period for student loans on XX/XX/XXXX, I submitted two documents : a consolidation request and an updated Employer Certification Form ( ECF ) in order get updated payment count ( MOHELA shows this as received XX/XX/XXXX ). At this time, my loans were transferred from MOHELA to XXXX ( payment received by MOHELA XX/XX/XXXX ) while my PSLF application was processed. For MOHELA, my PSLF form began showing as processed sometime in the last two month and included a note ( now removed ) that " a notice has been sent '' but I received nothing and my calls to MOHELA customer service indicate they don't have this on file. Since that time, I have heard nothing and it has been 6 months since my application. I currently show no payments counts toward forgiveness, so I have no idea how many more payments I have to make. I have made multiple calls to MOHELA and have gotten no additional information other than " everything looks good '' and " it take 90 business days to process. '' No one can tell me my status, how many payments I have or where I am in the queue. This is having a significant impact on my life- I have filed a XXXX tax extension, are my filing decision ( married filing jointly or married separately ) is largely based on where these loans are in the forgiveness process ( my counts ). Along the same lines, I don't feel like I can search for new employment or better opportunities without knowing if I have met the 120 payment requirement or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX  ). to this date I have not received a response from XXXX, Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 accordance with the Fair Credit Reporting act Credit Inquiries : IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I really wish someone would review Fifth Third yelp reviews. There is something seriously wrong with this bank and it should be investigated! They have a 1 star review in yelp definitely the lowest I have every seen!

I have had repeated problems with Fifth Third Bank. They purchased my mortgage after I refinanced and have made the whole process incredibly difficult. The first demonstration of this was they sent me information to log in to their website to setup automatic payments but when I followed the instructions the site told me I was not in their system and could not set up an account. This caused me multiple problems because I had to setup auto payments through my bank on a static amount. Subsequently they adjusted my impound account two times. The first was without notice or at least I never received the notice or analysis. They then reported to the credit bureau that I had missed a payment when in fact they received the payment but it was minus the new adjustment. I tried to contact them and ran into multiple issues of getting disconnected. I tried to fight this but later gave up. This then happened a second time but they sent the analysis and a bill for the shortage in the impound account which I paid in full. Then started harassing me saying I was late on my payment and short by {$6.00} on a {$3000.00} mortgage. I tried to call multiple times and their system says it is transferring you but then hangs up. Then I tried online through their chat. After a week I got one of their managers to call me. She kept insisting this was my fault. I tried to explain the background context but this is absolutely the worst bank I have ever dealt with! Please look into them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: VA
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:
Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Wells Fargo in XXXX and sold the home in XXXX. I would like to apply for settlement funds for any improper denials/ transactions/use of funds related to my mortgage. Thank you

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 2023-01-23
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have a business checking account at Bank of Oklahoma under the name XXXXXXXX XXXX XXXX  XXXX. We have been a customer since XX/XX/XXXX and have had a average balance of over {$800000.00} this year. XX/XX/XXXX I was doing bank reconciliations for quarterly financials and I noticed that the bank processed 6 checks written on XX/XX/XXXX that were fake. Completely different check stock, different company name, different signature, only the bank account numbers were the same. The original checks written to those check numbers were cashed by the correct people. Not sure how they got our account number. I went to Bank of Oklahoma but they were closed and told me to come back on Monday. We talked to multiple people at the bank and they said there was nothing they can do. The 6 checks totaled {$19000.00}. I have filed a police report, but they said it was mobile deposits and out of XXXX XXXX 's jurisdiction and there was nothing they can do. We had our attorneys contact the legal department at Bank of Oklahoma and BOK again said they would not reimburse any of the fraudulently cashed checks. I have copies of the fraudulent checks, police report and communications from our attorneys and BOK 's legal department. Please help, the lack of help from BOK has been shocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the attached letter via first class mail on or about XX/XX/XXXX. Prior to receiving this letter I had not had any correspondence with XXXX or AIC. Furthermore I have never purchased anything through XXXX. I have not attempted to contact XXXX or AIC, I was advised to leave that up to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: CA
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 to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A SECTION 2 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 2021-01-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing about my account with Wells Fargo Account # XXXX which I addressed previously via the CFPB in regards to the late pay reported in XXXX 2020. I did get a response dated XXXX/XXXX/2020 to which it says they can not honor the CARES ACT to update the account in XXXX 2020. In my previous complaint I addressed Covid being the reason the late occurred in the first place and an accommodation was made were fees were waived. Since the accommodation was made no reporting should be reflected in XXXX 2020. 

You state the payment was reversed which is exactly the effects of covid causing that to be returned.

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 2021-01-06
Company: Comerica
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I logged on to the its get my payment website and it is showing a bank account number which is not mine. 

We scheduled your payment to be deposited on XX/XX/2021 to the bank account below. 

Bank Account XXXX : XXXX If you don't see your payment credited to your account, check with your bank to verify they received it. We will mail you a letter with additional information on this payment. 


My bank account number ends in XXXX. 

I have called Direct Express about this at XXXX XXXX and customer service said there are no pending deposits nor and pending transactions for my bank account for a stimulus check. 

I am worried that someone may have opened another bank account in my name and had my stimulus payment sent there. 

There is no way to speak with the its on the phone nor do they have an email to contact them to discuss this issue, and Direct Express has no record of any payments send to them, yet the its states they deposited my payment to my bank yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: SANTANDER HOLDINGS USA, INC.
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX and XXXX XXXX showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal actions. Please delete the items as soon as possible. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took a HELOC in XXXX of 2022 due to XXXX. With that been said I been making payments to the account for over 10 months and the amount I own has not change at all. I have try calling them taking around 1 hour to speak to them. I owe the. {$60000.00} dollars and at first and payments are getting to high. Please if anyone can assist with this. The loan company is call Specialized loan servicing and they are taking way to much money and not paying anything towards the borrow amount.

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 2023-07-21
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card was opened without authorization. When calling the company they will not do anything unless you give your full SSI # first. They will not talk to me unless I give my full account number. I never opened this account. I do not have a card, and the account # is not on the bill they are sending for a payment. This does however show up on my credit report. 

The website does not give an option to close the account and only gives the information below. 

The company name is. 

Genesis FS Card Services XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX www.Destinycard.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received a letter in the mail addressed to me, saying that on XX/XX/2022, I had requested to decline the Overdraft Coverage for my account ending in XXXX for ATM and everyday debit card transactions. In this letter, it states to call the TRUIST bank at XXXX if I did not initiate this request. This letter was from the TRUIST Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. 

I proceeded to call them after the holiday on XX/XX/2022. I called their Account Security Department at XXXX and spoke with a female. The call was being recorded. She continued asking me for my social security number, and I said I will not be giving that to you. Then, she said the ONLY way to resolve this issue is to stop at a branch and speak to someone in person. I said, " I live in Illinois, and you do not have a branch here or anywhere close to me. '' She then proceeded to tell me that this is the ONLY way their company has set up for things like this. I had no choice but to end the phone call because I was getting nowhere with this lady on the phone.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
we have done everything to get credit on track we pay down credit cards pay loans on time remove major debt and yet credit scores stay same or do major 30pt drops with no explanation other than old issues that score have raised since. the credit system is biased against us as young XXXX couple that have only had 4 blips one 12 years minor incidents no late mortgages or auto. I know XXXX  couples who have filed bankruptcy and still have 700+ scores. something needs to be 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 2022-04-07
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: Credit inquiries on your report that you don't recognize

Complaint:
My Social Security # was used to apply for credit without my consent or my authorization and I reached out in the past on older inquiries and those still exist alongside the new ones. I've included a Dispute letter with all Three Credit Bureaus addressed.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-01-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is a XXXX account on my credit report that is reporting incorrect. My credit report is showing three different dates of last activity. All three dates can not be correct. This means that my credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my credit

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