BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: MOHELA
State: OH
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 am enrolled in the PSLF program. I have contacted Mohela ( my federal student loan loan servicer ) several times about my PSLF eligible payment count. Their count is off by 12 payment months. I also contacted Student Aid.gov. No change, no result. 

1. I worked for the XXXX XXXX XXXX XXXX XXXX from XXXX, but Mohela only counts XXXX. They are missing two eligible months : XX/XX/XXXX ad XX/XX/XXXX. I have submitted correctly completed Employment Certification Forms ( EFCs ) s. 

2. I worked for XXXX University from XXXX. Mohela has not counted XXXX ( 10 months of payments ) as eligible payments. I sent the ECF, but Mohela said the form was a duplicate. This is because I sent an ECF for every year I worked for XXXX University and when they received my latest form in XXXX, XXXX they saw it was from XXXX  University and assumed it was the same form I had sent for the last 4 years. It was for and from the same employer, but borrowers are supposed to update with a current EFC each year to update their payment counts. 

When I go to my account on Mohela my eligible payment count stands at XXXX/XXXX payments. It should read 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 2021-01-11
Company: WELLS FARGO & COMPANY
State: KY
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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: EQUIFAX, INC.
State: NC
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 XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but XXXX and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: DISCOVER BANK
State: GA
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:
Discover is reporting erroneous lates on my credit file. These lates are from the month of XX/XX/20 I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization skyrocket but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
My name is XXXX XXXX. My wife XXXX XXXX XXXX and spent XXXX XXXX  in the XXXX, and has been in and out of XXXX and XXXX XXXX XXXX XXXX As if that wasn't enough, we had a house XXXX this year and have been displaced from my home and moved. 

In XXXX, Capital One bank acquired my existing BJs mastercard credit card account from XXXXXXXX XXXX which had a {$0.00} balance, right around the time that my BJs annual fee was charged. 

Capital One turned off my autopay when they bought the account. They changed my card number. And they started charging me late fees and interest because the {$55.00} annual fee that was immediately charged was not paid. 

They turned off my autopay and changed my card number. I have been busy dealing with the XXXX and my wife 's care. I did not realize this was a problem until I got a credit monitoring alert this week showing a delinquent account with capital one, a bank I did not use. I suspected fraud and investigated. I found that nobody stole my identity but that the bank itself has perpetrated a fraud on me. 

I recently got ahold of some of the missing mail and found the new cards they sent, called capital one, and asked them to waive off the late fees that they caused by turning off my autopay and migrating the account. 

The first representative I spoke to was very understanding but was only able to waive some of the fees. I asked for all the fees to be waived, because Capital One caused this entire situation by acquiring my account, turning off autopay, and billing me so many late fees and interest on one {$55.00} annual fee charge. Today, XX/XX/23, was the first date I found out I had a capital one card or that it had over {$100.00} of junk fees added to it that they will not remove. I spoke by phone to a supervisor who confirmed they could or would not waive the fees. I am speechless. 

These fees are illegitimate. Capital One created them out of thin air. I had autopay. I had an existing account that was always paid on time and had been paid in full. I did not use the card. I did not activate the card. I did not receive the card until now. I did not even agree to be a capital one customer. I never applied with Capital One. It is an absurd situation. They caused it to happen. The least they can do is waive all the junk fees they're charging and fix my credit report. 

I don't know what to say here. I set up online banking and authorized a transfer for the {$55.00} I guess I owe tonight, but as far as I'm concerned that's what I owe. I did not agree to, authorize, or have any knowledge of any of the rest of this. My mail is delayed due to the XXXX. I don't know what they expect from me but this is just absurd. 

Please help. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Do not recognize the inquiries on my credit report and would like them to be removed and the bureau did nothing about it. I would like them removed from my credit report they are not mine I'm also attaching a copy of my identity theft report.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to you again to dispute the accuracy of certain accounts on my credit report. In my previous communication, I raised concerns regarding the inclusion of accounts associated with XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I am disappointed to note that these inaccuracies persist on my credit report, and I am compelled to initiate a second round of dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Details of the disputed accounts are as follows : XXXX XXXX Last reported : XX/XX/2023 Amount : {$56.00} Worst payment status : XXXX days late Last payment : XX/XX/2023 Payment status : No Info XXXX XXXXXXXX XXXX XXXXXXXX Last reported : XX/XX/2023 Reported balance : {$2100.00} Highest balance : {$2500.00} Worst payment status : 60-89 days late Last payment : XX/XX/2023 Payment status : Current XXXX XXXX Last reported XXXX XX/XX/2023 Reported balance : {$110.00} Highest balance : {$240.00} Worst payment status : 60-89 days late Last payment : XX/XX/2023 Payment status : Current I dispute the accuracy of these accounts as they are not associated with my financial transactions. The continued reporting of these inaccuracies not only damages my credit standing but also violates my rights under the FCRA. 

As outlined in the FCRA, I request that a thorough reinvestigation be conducted into these disputed accounts, including verification of their legitimacy and accuracy. The FCRA mandates the prompt removal of inaccuracies from my credit report. 

I have attached supporting documentation, including evidence of my non-involvement with these accounts, for your reference during the investigation process. 

Per the FCRA guidelines, I expect written notification of the results of your investigation within the 30-day timeframe. Failure to rectify these inaccuracies within the stipulated time may compel me to pursue legal action to ensure the correction of my credit report. 

I appreciate your immediate attention to this matter. It is my expectation that a fair and comprehensive investigation will be conducted in adherence to the FCRA regulations. 

Thank you for your prompt resolution.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$7600.00}

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 2023-12-14
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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and 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 non-monetary relief
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ( dba ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( dba ) in XXXX  as XXXX XXXX XXXX XXXX  dated XX/XX/2023.

Company response to consumer: In progress
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of ID Theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax -XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax -XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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:
In accordance with the Fair Reporting Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: JPMORGAN CHASE & CO.
State: FL
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:
JP Morgan and Chase has failed to report the opening of a Business Credit Card Line in which my social security number has used PRIOR TO THE DISCOVERY of my identity being stolen. This is a form of negligence on their behalf. Furthermore, it took me several months to resolve the issue and trying to obtain all banking statements and application documents - basically giving me a circus run around. They have even assigned me two investigators whom did not even bother with the case. When I talked to the supervisor on XX/XX/2020, they told me a subpoena needs to be issued. However, upon doing me research, they did not even mention about FATCA/FCRA. Upon doing my research, the Federal ID summary of writes explicitly states that I have the right to obtain documents relating to fraudulent transactions made or accounts using my my personal information. 

When I discovered the statement of balance due on XX/XX/2020, the balance is {$5700.00} on the letterhead it contained : My Name XXXX XXXX XXXX XXXX XXXX XXXX Address Return payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX They have failed to disclose this to me and I had to pull the Federal Statutes on my own. Furthermore, upon speaking to the fraud supervisor on XX/XX/XXXX, she has failed to disclosed FATCA/FCRA rights ; rather she just told me I must get a subpoena. 

a notice of dispute and arbitration has been ordered and mailed to JP Morgan and Chase on XX/XX/XXXX Local Law enforcement in the ECU crimes unit has also been filed for investigation Due to the nature of confidentiality, I have overwhelming evidence of the perpetrator committing fraud. 

PLEASE NOTE SINCE I NOTIFIED JP MORGAN THEY HAVE CHANGED THE ORIGINAL FRAUDUELENT BILLING ADDRESS TO MY ADDRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CA
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:
I have not given consent nor did i authorize or benefit from the inquiries on my consumer report. 

FCRA 15 USC 1681n ( b ) Civil Liability for willful and non compliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I used Forbearance for COVID-19 for entire of 1 year, I have been told that I must pay this amount to bring my account up today to avoid foreclosure. I bought my property in XX/XX/2023 so in XXXX I ask for Forbearance due lack of Income and unemployment so I have worked since up to today with Loss Mitigation and in several occasions the property was listed with a sale date but after I worked with them they stopped foreclosure procedures. Yesterday XXXX, XXXX  received another letter saying the deny one more time my loss mitigation appeal that I have submitted. So I was informed by customer service at Flagstar that I can re-submit an application for Loss Mitigation. 

We want to stay in the property at the same time continue making payments to retain the property but they are telling us that we must pay the entire amount was accumulated during COVID-19 that wasn't our understanding. Please help me with those bad practices by Flagstaff Bank I have tried talking to them but nothing seems to happen, every day pass is more difficult for me and our family. 

This is the amount $ XXXX are require us to pay to be up to date including late fees and all associated charges. Please help us! 

Sincerely, 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 2021-01-11
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have owed a debt of around {$2700.00} on what used to be a synchrony bank credit card for about a year now. Due to being in the restaurant industry, COVID has severely limited my options for paying off debts as what once would have been disposable income is now my rainy day fund. 

Despite this, XXXX XXXX XXXX XXXX continues to call me upwards of ten times per day always using spoofed phone numbers. The only number they've called me on that I actually get a response for is the 1-800 number. Every other number they've ever called me on was a fake line that wasn't even being recorded.

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 2023-11-21
Company: EQUIFAX, INC.
State: IL
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I formally request an investigation into specific items on my credit report that I believe have been inaccurately reported. These items are not only incorrect but are also causing significant financial and emotional distress due to their derogatory nature. The items in question, detailed below, have already been removed by other credit bureaus : XXXX, XXXX. XXXX. I am seeking your prompt attention to complete a thorough investigation within the mandated thirty-day timeframe, as per my understanding of the law. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with XXXX XXXX  and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with XXXX. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.

Company response to consumer: Closed with explanation