BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My loan sequence 8 and 9 were completely forgiven as part of the PSLF and the PSLF waiver. See attached letter from XX/XX/XXXX. All of a sudden recently I noticed a balance of around $ XXXX reappear for these sequences which was supposed to be forgiven as part of the PSLF and consolidation waiver. Initially when I got my PSLF forgiveness letter I called Mohela panicked that it did not include 5 of my loans that were pending consolidation and the forgiven balances were incomplete. I was reassured they would be forgiven too as part of PSLF and if for some reason they are not, Mohela can take care of it on the back end. Here are my notes from those conversations XXXX Spoke to XXXX XXXX employee # XXXX at Mohela , he spoke to a supervisor. I was then told " If loans are forgiven before the consolidation is complete we will reprocess forgiveness with the new balances '' - on XX/XX/XXXX XXXX employee XXXX told me the same thing " If all the sequences are not added before forgiveness, we can go back in and manually adjust the forgiveness '' - I have attached the payment count letter from XX/XX/XXXX, my repayment letter from XX/XX/XXXX which did not have a consolidated loan balance ( and all of a sudden the one from XX/XX/XXXX does ), and my paid in full letter from XX/XX/XXXX showing my two consolidated loans have been paid in full. Please correct this as soon as possible and erase the balance on loans 8 and 9. I made a lot of financial decisions based on the information I was given and the promise that my loans would be forgiven even if the forgiveness completes before the consolidation finishes. Please help me to fix this as I will be in great financial stress if this is not fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: LA
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:
See attached. I am writing to dispute certain inconsistencies and potential Metro 2 violations regarding an account listed on my credit report. 

After recently submitting my 3rd dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. Your company is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
{$5000.00} stolen from money market account in branch in XXXX. XXXX Pd dosnt have time for this. BMO needs to make exception, and let me sign affidavit. I know this is just to make sure Ill go to jail if lying. 


Complained before

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 2023-11-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
An Amex gift card was purchased for me. I can not use it anyplace. It's rejected everywhere. I've tried a variety of retailers- XXXX, XXXX, XXXX, XXXX, and other smaller retailers. I'm trying to make purchases for less than {$100.00} and I have verified that there is {$460.00} on the card. The card is listed as active and available for use. I've made sure to enter the details correctly, including the XXXX CV. I called customer service- Amex phone representatives deny that there is a problem with the card and tell me that I should be able to use it anyplace Amex is accepted. This is absolutely not true. I have experience using XXXX gift cards and am accustomed to the gift card system- I am making purchases less than the value of the card, on reputable sites, and I am entering the information correctly. These Amex cards simply do not work, anywhere. 

Customer service is not responsive, just denying that there is an issue. Their own website https : //balance.amexgiftcard.com/ # /help says : " You can use your American Express Gift Card virtually anywhere American Express Cards are accepted within the United States and XXXX XXXX XXXX, except the Gift Card may not be used for recurring billing or at ATMs. You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . Please remember, you will only be able to shop with merchants in the United States and XXXX XXXX XXXX. Your eGift Card can not be used for transactions requiring a physical card. '' This is absolutely not true. The cards are accepted nowhere. 

The original value of the card was {$500.00}. I have XXXX pending transaction for {$34.00}, that will possibly be ultimately be declined. The rest of the expenses are for {$0.00} several time each, that XXXX took as a hold when I tried to use the card to pay my bills there. 

I included screenshots of the card 's history from the Amex website, and a screenshot of the XXXX website after one of my payments was declined. I have tried the card at a variety of different retailers. I was very careful to follow instructions. The purchase amounts were much smaller than the balance on my card, I entered the information correctly and I entered my address in the 'billing ' field as directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSWORLD SYSTEMS INC
State: TN
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:
On XX/XX/2019 Transworld Systems added a derogatory mark on my credit report per XXXX XXXX. Upon, Further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Transworld Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have seen that the XXXX have removed one negative account. However, I still see that most of the items that I requested to remove were still in my credit file. I need this problem solved as these items were harmful for my credit records. Therefore, I am once more requesting the 3 credit bureaus to please REMOVE these items from my credit reports within 15 days : XXXX : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NY
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. 
. Has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Despite several Attempts, Credit Reporting Agency Failed To Show Validation of debt And Failed To Send Dispute result Via USPS MAIL HAS REQUESTED, and keeps saying the account is verified with no documentation to back that claim up I demand this inaccurate account be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr cooper has a partial payment option and additional payment options. I use the partial payment option every month. I am usually paid ahead a XXXX  or XXXX. Website says partial payments will not be added until a full payment is reached. Well my funds are always applied as additional principal by mr cooper. As i stated there is a different option for that. I call every month and ask them to correct this and to reapply my funds to the payment. This past XXXX  was no different. I called XXXX  and chatted and see they reversed my payment back to additional principal and I was not credited for my payemnt due XX/XX/XXXX. I made enough payments by mid XXXX. Well On XX/XX/16 because of misapplied funds and a website and customer service that do not function correctly. I was hit with a late fee for a payment that I made a XXXX  ago and also asked to have it correct on multiple times. Please have this institution correct this payment error not just this XXXX time but whatever makes them apply my funds differently than i request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
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:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Strategic Automotive Servicing, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I Reached out to Strategic Automotive XX/XX/XXXX, XXXX, XXXX and XXXX. Left voicemails about account still being open and reporting as though i still have the car in which it was repossessed XXXX. XXXX XXXX. I was informed by the recovering company that someone from the company told them i dropped the car in XXXX and went back to XXXX, in which that was a LIE. I emailed my rep and let her know ive been living in XXXX since XX/XX/XXXX. She didnt reply. My account has a past due balance of 3k plus and two hundred plus and counting days past due because of the lack of action taken on the account.I still get text messages to make a payment every two weeks because MY ACCOUNT IS STILL OPEN. It is now XX/XX/XXXX. They are not returning my calls concerning the situation. The car was sold and still no update. Also none of my payments were reported correctly to the credit bureaus. I have taken screenshots every week due to the balance going up and made sure to print off the webpage with the false reporting payments and past due balance with days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent over a dispute to all 3 bureaus. They dismissed by dispute as frivolous and said it was not me. They are straight up guessing.

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 2019-03-17
Company: DISCOVER BANK
State: VA
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:
While XXXX I provided someone with POA, this person opened numerous accounts to include XXXX, XXXX XXXX, XXXX, and Discover  to name a few. I have provided all of these companies with the original power of attorney, the notarized statement from the individual admitting to opening these accounts, which list these companies by name. I have also put Discover in direct communication with senior military personnel located at the Pentagon to validate I was out of the country at the time since I am legally unable to provide a copy of the title 50 orders. XXXX XXXX, and the XXXX both conducted investigations and was able to completely remove the accounts. XXXX is requesting a police report, and Discover is now saying that because the card was used, it is deemed valid. 

DISCOVER, has previously claimed to conduct investigations which consist of : Obtaining XXXX XXXX via the XXXX website ( Which does NOT provide Title 50 orders. However senior officials validated the dates of overseas service ) : Retrieving online application data, : Reviewing financial transactions on numerous occasions, Discover has deemed this account valid despite all the provided documentation. Not once during the investigation was I contacted to obtain additional information, had I not asked one of the females, what information do they deem insufficient I would have never known they were looking to validate XXXX history, which I was able to offer them. The lack of communication throughout an investigation that impacts my security clearance is troubling. Why am I not made aware of what information is needed from me to prove my innocence? Why is the notarized confession being overlooked? Why is Discover unable to retrieve credit card signature, surveillance footage from one of the businesses during the point of sale like XXXX XXXX to validate I was not the individual using the card. I will NOT STOP requesting this matter be properly investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions 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 am writing in regards to these frivolous inquires that's has been reported to my credit reports under no circumstance applied for any credit nor gave consent to anyone to do so as well.THESE ARE FRAUDULANT INQUIRES AND UNDER 15 USC 1681c-2 ( blocking of fraudulent information ) all information deemed fraudulent by the consumer me and these inquires needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
I am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent over a dispute to all 3 bureaus. They dismissed by dispute as frivolous and said it was not me. They are straight up guessing.

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