BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: WELLS FARGO & COMPANY
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:
Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 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 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2021-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt was originally owned by XXXX XXXX XXXX. It was opened on XXXX XXXX and closed on XXXX XXXX XXXX. A new debt collector picked it up and said the original debt was opened XX/XX/XXXX. Now I have no way of getting rid of the original debt after 7 years because this new collector won't acknowledge my attempts to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX I went into my account with Mohela to see if they processed my PSLF application and my recertified income-driven repayment plan. First, I was denied forgiveness under the XXXX program back in 2022. I was informed that my loans did not meet the XXXX payment requirement, in fact the notice said I made XXXX payments. I filed a complaint with the XXXX DOE and an appeal and was directed back to Mohela. I have submitted by XXXX XXXX times to document that my employment in the nonprofit sector continued well beyond XXXX and is still present. That form has been submitted XXXX times via email and I also recently completed it through the XXXX DOE and it was signed on XXXX. Mohela has ruled that my employment and payments are classified as " employment not certified ''? According to my calculations, I have exceeded the XXXX payment requirement. 

Second, Mohela changed my loans to forbearance without any authorization or request from me. There is very little explanation about this change. I did not request this nor ask for it. I understand that this is a tactic by loan companies to steer borrowers from moving forward with the XXXX. It was also interesting how this forbearance came forward after I recertified the XXXX under the XXXX program, after a newly calculated amount. My concerns are many but most importantly an error in their PSLF calculations and putting my loans into forbearance, which goes on my credit report. 

I am asking you all to respond and address these issues. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received a {$100000.00} check from XXXX insurance for a hurricane Ian claim. Regions released the sum in stages subject to their inspections that confirmed the repairs were made and completed. I then received an additional payment from XXXX for the remainder owed for that same claim. Regions is refusing to issue that check to me, for > {$140000.00}. They have the check now for over a month - generating interest for themselves on my money.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: SC
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX : {$470.00}.

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 explanation
Consumer complaint received 2022-04-27
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine and Weiner on behalf of XXXX XXXX XXXX. 

I have disputed this debt several times. With the credit bureau, collection agency- Caine and Weiner and XXXX. 

It was determined by XXXX that I was being double billed for auto insurnace. 

I called XXXX in XX/XX/2020 to advise them that I wanted to cancel service as I've gone with XXXX. They assured me that was fine and all was good on their end. Fast forward to now, I am in collections for the supposed amount. 

I called XXXX again XXXX calls in the past month to have this resolved with no remedy. They advised that, all I needed to do was submit proof of my coverage with XXXX and they would take the necessary action of which I have twice. They have not and neither has Caine and Weiner. 

I will call XXXX yet again this evening to follow up. But it's absolutely frustrating that after all of my attempts and proactively, it's still on my credit although it shouldn't be, as I do not owe them anything. 

I do not have the time to spend hours upon hours on the phone, speaking with different reps, getting different stories. Especially for their mistake that I'm already paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid 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:
Hello my name is XXXX I want to complain about a discover card. I have had a discover card for many years and have always paid my debt on time. in XX/XX/2020 tried to book a hotel for {$1000.00} with a discave card but my was decline multiple times. After I called to discover card centers for helping agent cant open decline payment and told me to reserve again, while I listened to her and went back to the reservation. XXXX and reserved, again, payment went through her blog. but on the second day my declined payment is open and that hotel charged me another {$1000.00} for one reservation more. its not my fault that the Discovery Card first declined my payment and after next day open my payment without my knowledge. this agent told me to reserve. and then {$1000.00} was withdrawn from my card twice. I'm a single mom, I can't pay for someone else 's mistake XXXX XXXX please help me get the money back from the discoverer card. best regards XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: SYNCHRONY FINANCIAL
State: IL
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:
there are multiple new credit cards being opened and i did not open these and there are charges too!! pls help i did not open these and i can not pay these!! 
these are all so far mastercards from stores

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) in accordance with the written instructions of the consumer to whom it relates 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( A ) reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information om my credit report im also sending you the letters i sent to the reporting agencies.

15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction

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 2021-01-18
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: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$340.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX  XXXX Balance Owed : {$480.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

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 2021-01-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$340.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX Balance Owed : {$480.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This account is totally inaccurate and has missing information. I find this report as erroneous and have violated the FCRA rules to its inaccuracies in reporting, even if I sent several complaints to Equifax and to the company there never responded to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have spoken to this company several times during my hardships because of Covid. They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On Friday XX/XX/2020, I applied for a Chase Slate Credit Card based on the attached offer I received in the mail for a 0 % introductory offer and 16.49 % variable rate thereafter. The deadline to apply for this is XX/XX/2020 as noted in the attached. I initially tried to call Chase bank to apply for this but was advised by Chase that I had to go online to apply. I logged into my account and applied. I also requested a balance transfer. I was notified about a day later that I had been approved for the credit card and the balance transfer. When I received my credit card in the mail ( last four digits XXXX ), the terms stated that my variable rate after the introductory rate would be 25.24 % instead of what I was offered XXXX see attached terms and conditions received with the approved card ). Needless to say, I was alarmed and irate. I visited a Chase branch on Tuesday, XX/XX/2020 in hopes to have this corrected. The representative was not able to address my concern but made a phone call to Chase Credit Cards and spoke with a XXXX XXXX who failed to assist and suggested that I go to my account online and send Chase a message about my concern including uploading the attached offered. This further angered me as I could not understand why that was any different from me visiting a Chase bank with documentation in-hand demonstrating that Chase used a bait and switch tactic to swindle me into a much higher interest rate than I was offered. I am frustrated with this and I am requesting that my interest rate on my credit card be revised to the 16.49 % offer I was presented. I do not wish to receive the run-around from Chase trying to get this corrected as this is clearly a flagrant misrepresentation on Chases part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a bill from the below listed Credit collection agency. 
When I inquired who the retailer was, they failed to give me relative information pertaining to address, phone numbers, or a copy of the initial purchase request. 
Although they supplied the name of the company and their own account number, they failed to supply a purchase order, address of same, nor a phone number. 
The collection agency is as follows : XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Department of Consumer Affairs License # XXXX and XXXX ) In substance, it states that I have a delinquent account, submitted to them from the following retailer : XXXX XXXX XXXX ( Account No. XXXX ) ( I.C. systems ref # XXXX ) ( UNKNOWN FORWARDING ADDRESS OR PHONE. ) I am a XXXX, and I am currently on Social Security XXXX and receive a XXXX pension from my ex-employer. Occasionally, XXXX  supply companies call me to pitch XXXX supplies. My understanding, according to their statements, that all fees would be covered by XXXX, at no cost to me. They never told me that their would be a fee for this service, and I don't recall signing an agreements for said products. The collection service also stated that they will attempt to mail me a retailer 's copy of an invoice, and that I shouldn't, worry because I still had thirty ( 30 ) days to respond, to their notice. I felt that I should submit this report in any event. In the event they state contacting me via phone line, then they should be investigate for calling a registered DO NOT CALL PHONE. 

There are three addresses in my county that are the same, and the only thing that distinguishes one from the other is North, East, West, and South. My family and I live at XXXX XXXX XXXX XXXX XXXX. Not XXXX XXXX or XXXX XXXX XXXX XXXX. 

Thank you for your time and attention to this matter. 
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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion ( reported as XXXX/XXXX # XXXX* ) : XX/XX/XXXX payment 30 days late. Payment was made on XX/XX/XXXX. I was actually 6 days early, per their own statement, which I have attached. The months right before and after this date are also paid on time, so I have also attached XX/XX/XXXX and XX/XX/XXXX statements. I have not been 30 days late ever. You'd think with all these fees and creative interest hikes, they could afford to get their records straight. Perhaps I should charge them a fee.

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 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Dear Sir ( Bank of America credit Card ) I have visa & Master with you My problem I received from you credit balance refund ( refund check XXXX ) XXXX I called and I have case number with Bank of America XXXX and another case XXXX Accounting ending XXXX my address XXXX XXXX XXXX XXXX XXXX New Jersey I received letter from you say the check is cashed by XXXX XXXX I went and they give me letter say not cashed it is return to Bank of America Them number or reference XXXX ( XXXX XXXX  Reference ) Please I lost between you and XXXX XXXX -I have letter from u and letter from them and no money How I can you and them contact how I can you and them communication together Now I, m lost between you and XXXX XXXX  Please see what I enclosed ( them letter -urs letter copy from the check ) Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX-New Jersey

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