BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter from Debt Recovery Solutions LLC attempting to collect a debt I supposedly owe to XXXX XXXX. On the letter it states this is regarding an alleged loan with XXXX  with acct # XXXX for {$5700.00} that was sold to XXXX. I received a similar letter earlier this year from XXXX for the same alleged debt. Looks like it's now been sold to DRS for collections. On that notice I was informed that " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' This notice from DRS did not contain that language. 

The CFPB investigated this concern on Case # XXXX and XXXX debt collector removed it from all my credit reports. DRS has since placed a derogatory collections on all of my credit bureaus adversely affecting my credit. This should not have been reported to the bureaus and needs to be removed IMMEDIATELY just as the previous collector determined was the appropriate thing to do. 

DRS is in violation of Cal. Civ. Code 1788.14 and Section 605 ( a ) ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Our original mortgage was with Countrywide and when the economy crashed in 2009 our mortgage was sold seems to us several times finally landing with Bank of America. We had no choice in the matter. Numerous times since they purchased our contract we have tried and tried to do a loan modification, refinance of some sort only to be told sorry we still have not received all the paperwork. We would then fax it. There was still always an excuse it was lost etc... We are over it. Also we weren't able to get into the better interest rate. Another thing that happened was me and my husband were on the Countrywide loan together and now it is only my husband on this loan. And we do not have the XXXXXXXX XXXX we had on the Countrywide loan. We have fell behind and have been able to redeem ourselves with help from Government programs. It has been a continuous cycle. Fast forward to covid we found ourselves in the same situation. And to no avail were we able to work with Bank of America. Another government program helped to bail us out but again here we are still stuck at a higher interest rate, large house payment and no one to assist us with refinancing or a loan modification. We want to stay in our home and the only solution we ever received from Bank of America was to do a short sale or let it go back to the bank and walk away.

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 2023-11-28
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:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-11-25
Company: JPMORGAN CHASE & CO.
State: FL
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:
I have pulled up my credit report and found some private information. Such as my consumer transactions with creditors as well as hard inquiries and accounts in collection. 
I never opted in to have my information shared. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an address on my credit report that Ive never resided at. This same address was used to commit fraudulent acts under my name. This address being attached to my report only makes me liable to get my identity stolen AGAIN. How are the only credible sources for this address the 2 things on my credit report that WERE NOT ME? I never resided at that address, never had a bill attached to that address, if you call the leasing office they even say I am not in their system meaning I never resided at their residency. I have the right to an accurate credit report and my credit report has not been accurate since XXXX and Experian is to blame I have addresses that arent mine, accounts that arent mine, and up until this year I had a XXXX credit card that was opened in XXXX attached to my report. Im only XXXX! And despite it being obvious that these accounts arent mine or are failed identity theft attempts the bureaus will NOT help me. Imagine being held back by somebody elses actions. I even have inquiries on my report about a car.. Ive never even had a vehicle before. Its been 4 years of battling Experian and trying to get these bureaus to do right by me and they will not. I even have a XXXX student loan opened up in my name that they refuse to take off when all they have to do is call the school and confirm that I was NEVER enrolled there. How could I be enrolled in school in Pennsylvania and Im clocking in to work in Texas??? Matter fact if Ive been in XXXX since XXXX and this loan was opened in XXXX of XXXX and Covid was going on therefore how did I attend school? I never signed for any loans I stopped going to college in XXXX and even then all my loans were paid off and never more than XXXX and they were for a completely different university AND my mother set them up for me. They literally stopped letting kids go to school if it was out state for a year and a half but supposedly I was in PA.. and if I was going to school online it would be easy as XXXX to prove but they cant why?? Because its NOT MEEE!!!! Experian is lazy they give these fake XXXX investigations because they dont care and they dont want to actually work. It wasnt always like this I remember when they actually used to be on top of stuff. Maybe one day theyll try again but until then I need CFPB to help me get my report back together so I can get my life together. Im owed that much this has been an ongoing problem that has cause significant burdens in my life.

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 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, On Dispute Number : XXXX I had an American Express Agent call me and discuss the details on the phone. The first thing they said was " This is a recorded line '' and we continued our conversation. During that conversation the Agent said ( paraphrasing but listen to the recoding ), that the signatures do not match up.

They continued to deny me my refund because the merchant provided signatures for my disputes, but on the call the Agent admitted that none of the signatures matched up. So i supplied additional materials of the invoice they gave me with NO SIGNATURE at all just my typed name, and a letter of testimony from a witness and phone number to call to verify what happened. The recorded testimony admits ( they recorded the call ) that the signatures do not match up at all. They proceeded to ask for additional documentation which I provided. But at the end of the day they sent a letter back saying the merchant provided signatures and that is good enough. That is amazing to me after what the American Express Agent said on the recording. 

We are going to small claims court to resolve this at this point unless American Express decides to listen to the recording, look at the evidence I provided. The date is set for XX/XX/XXXX in XXXX XXXX. I really hope that whatever agent is looking at this listens to the call and realizes that nothing is adding up. They ask for additional materials which I then provided to them. This is getting redicilous that the XXXX not only is getting money from Me/Amex but also the Insurance, and I had to have the sugery RE-DONE in XXXX because they XXXX it and will XXXX XXXX XXXX XXXX XXXX properly ever again. 

This is insanity and I hope we can come to a resolution before I got to Small Claims Court to plead my case with my 20+ documents of evidence that proves this is fraud. All I get back it a letter saying the merchant shows signatures on the receipts. Even when they don't match up and are charged at random times. 

I can't stress this enough, they took my items when I want into the XXXX, then used my card when I was in the XXXX XXXX XXXX  and forged my signature. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
remove all hard inquiries that were made without my consent transunion ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my Transunion profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX The accounts on my XXXX profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 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 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
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:
You have stated that it was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 
In accordance with the Fair Credit Reporting Act, it is your responsibility during the dispute process involves assess the correctness and comprehensiveness of any challenged item. The Bureau is failing to comply with FCRA requirements. Despite providing you with the necessary documentation and evidence to support the inaccuracies in my credit report together with FTC report, I have not witnessed any substantial efforts from the bureau to resolve this matter. I've done exactly as required thus, the issue is still unresolved and it seems that all our efforts are just like PAPER CRIMPLED TO TRASH!! 
These accounts are causing trouble in my financial well-being and creditworthiness. 
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 non-monetary relief
Consumer complaint received 2024-01-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Care credit refuse to gave me any information and told me that they will send me something to my address on mail but I never received it. I asked them for the address that was on file they would not give it to me. I told them that I didnt go to XXXX XXXX in XXXX but decided to not go through with the XXXX  and the appointment was free to see if Ill be a good candidate for it, but I wasnt. When I told them that they told me it was not cosmetic but they told me that it was for an animal and I dont own any pets. They told me it multiple charges. I asked them what all I need to do and they didnt tell me nothing I asked for addresses locations and I got nothing. I checked my credit in recently and I seen a bill for over {$2000.00} and now still the same thing. They cant tell me nothing or remove it. This is insane and not me at all this fraud. I cant even get the account number or anything to report to the police not even the month that it happened. I dont have a card number account number or nothing. Also, in XXXX of 2023 my car was stolen and o reported it in to the police. My id, ssc and more personal belongings were in the car as well as my cell phone which I had to get another one and replace all of my cards, ID and personal information.

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 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was overcharged by a restaurant ( XXXX XXXX ). When I discovered this, I asked for a refund and the merchant provided it. The merchant even sent me a screen shot, showing that the refund had been processed with XXXX : the authorized amount was {$50.00} less than what had originally been captured. ( Should actually have been {$64.00}, including tax and tip, but that is a secondary complaint. ) Since the refund did not post to my credit card, I filed a claim with BofA and provided all the required information. BofA initially posted a credit of {$64.00} to my account ; later they reversed it, and sent a letter asking for more information. I called BofA and pointed out that I had already provided the requested information ( screen shot incl. XXXX  confirmation number for the refund ) ; they agreed, said that the charge had been reversed in error, and offered to escalate/accelerate my claim to have it resolved. 

However, three weeks later BofA sent a letter stating that my claim was denied, after all. I called them again to complain, pointed to the screen shot with all the info they needed. BofA said that it was ultimately XXXXXXXX XXXX decision -- even though their denial letter says that BofA made the decision. I escalated to a manager, who held the line. They both declined to provide evidence that they had actually sought the refund from XXXX, even though I had provided them with a XXXX confirmation code to do so. 

I can not tell if this is a one-off misjudgment on their part ; BofA insists that it is standard practice. If so, it would suggest that the bank and credit card company have a practice in place that prevents customers from collecting their refund, even after the merchant provides confirmation from the credit card company.

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 2023-12-06
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I uploaded a PSLF form for processing by Mohela. Three months after uploading the form, they finally responded and marked it " Duplicate Form '' when in fact it was NOT a duplicate form. This has happened twice now. The first time it happened the problem was rectified, however it took a very long time ( close to 6 months ). The current one I am dealing with has not been rectified despite my phone calls to the company ( each time I called I was on hold for 2+ hours just to speak to someone and then was put on hold again while they tried to fix the issue ). I was assured during each of these multiple phone calls that the problem would be addressed and fixed within 5 business days. These days came and went with absolutely no resolution to my issue. However, Mohela did send correspondence for me to update my information and also about payments restarting. Fortunately, I was able to have the payments deferred while they worked on resolving the issue. I have been dealing with this most current issue since XXXX with absolutely no resolution. I feel as though I am getting the run around ( mainly because the current form I uploaded in XXXX would put me at 120 payment which qualifies me for loan forgiveness ). If this were a late payment issue, I am sure Mohela would be going out of their way calling me and to get paid. Mohela 's action ( or lack thereof ) is blatant neglect and immediate action needs to be taken.

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