BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under the 15 USC 1681. 


DEPT OF EDU/XXXX  ACCOUNT XXXX XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX INACCURATE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency might 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 ended report by more than 7 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 2022-11-02
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I mailed in my Public Service Loan Forgiveness forms at the beginning of XXXX. However, when I try to see my status on MOHELA 's website, it says my account does not exist. I try to create a new account and it says that they do not have anything in the system. Yesterday, XX/XX/XXXX, I tried to call MOHELA 's customer service to speak with a representative about it, especially since the deadline for submitting paperwork was on Monday, XX/XX/XXXX. I was on hold for two hours before I spoke with a single person. She mentioned to me that she was new. I told her my information only for her to tell me that she did not have it in the system ( which I already knew via the website ) and that she who was going to transfer me to another department to see about my paperwork. After waiting for 6 hours to speak to someone, I finally decided to give up. I have read stories about MOHELA not having enough agents to work. While I understand that, I do not believe that it is fair for those who are trying to simply talk with someone about their account. It should not be this difficult for us to talk to someone. I know that I am not the only one with this frustration, especially when there is a deadline in the midst. I understand how many of us are trying to get the loan forgiveness, but this is simply ridiculous. Something must be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Account status incorrect

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: AL
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:
These companies are violating my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy, .under 15 U.S.C 1681 section 604 A it's also states that a consumer reporting agency can not furnish a account with out my written instructions..15 U.S.C.1681c ( a ) 5 section States no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse items of information other than records of conviction of crime which antcates 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..

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. 
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 2021-10-24
Company: Experian Information Solutions Inc.
State: HI
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:
Experian On-Line has failed to fix an existing problem with their Boost system. I had made a complaint but to no avail. I have excellent payment records for several years for two boost approved accounts, XXXX and XXXX XXXX. Yet Experian has not posted them for an Experian Boost. They are plainly label in my checking account and I don't know why Experian can neither find them or post the for a boost. Please fix this problem.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Filed a dispute through XXXX XXXX which was partnered with Transunion. It was an account I was not aware of on my credit & I disputed that item. They have defaulted & have not honored the FCRA 30 Day rule which in turn they have to delete & remove that disputed item in question. Please enforce this. I have the date of when the dispute was submitted & evidence from XXXX XXXX of the submission & when they are supposed to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/XXXX, I deposited {$10000.00} into my account with Chime ( account tied to debit card # XXXX. On or about XX/XX/XXXX, I tried to access my account on-line. At some point, Chime allowed an unauthorized person to change the telephone number tied to my account to XXXX ( XXXX, Texas ). My telephone number is XXXX. This individual was also able to change the password on the account so. When I tried to log on to my account, I kept getting the message " Incorrect Password ''. I contacted Chime customer service multiple times between XX/XX/2022 and XX/XX/2022. Chime kept sending the password reset to the fraudulent phone number. Finally on or about XX/XX/2022 I was able to get Chime to reset the password. I immediately noticed unauthorized transactions as follows : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$2000.00} XXXX XXXX  {$500.00} XXXX XXXX  {$500.00} XXXX XXXX  {$1000.00} XXXX XXXX  {$500.00} XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX {$2000.00} ( Return From XXXX ) Credit XXXX XXXX  {$2000.00} Total {$9900.00} Chime has refused to refund these unauthorized transactions. Despite several attempts to obtain the documentation that Chime used to reach this initial decision, Chime has failed to honor my request for the documentation. Accordingly, Chime is in violation of the applicable provisions of Federal Reserve Regulation E. Under this regulation, I am entitled to receive a copy of all the documentation Chime used to reach their initial decision. Their refusal to provide this documentation shows a clear disregard for the regulations and has harmed me significantly. 

Thank you for your prompt attention to this request. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

CAPITAL ONE BANK USA N XXXX Balance : {$5400.00} ; CAPITAL ONE BANK USA N XXXX Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2020

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 2023-02-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear XXXX XXXX XXXX ; XXXX ; Equifax ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX ( C.C.S ) 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.

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 2021-10-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two issues : 1. misapplying funds allocated for escrow 2. reported late payments after agreeing to forebearance due to loss of income due to Covid 19 PHH mortgage I have made two payments marked to be allocated to my escrow balance. Both payments were applied to my principal balance. Futhermore, this company repeatedly fails to allocate funds as indicated by the mortgagee. 

In XXXX of XXXX, I called to report a loss of income to PHH due to temporary job loss due to Covid 19 related layoffs. PHH agreed to forgo payments for a period of time ( 6 months ) but reported my payments as 30 days past due in consecutive months XX/XX/XXXX  and XX/XX/ to the credit bureaus. I disputed with the credit bureaus but PHH did not correct the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I mailed in a dispute and never heard anything back from the credit bureau Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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 Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: TX
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:
Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Transaction misclassification and transaction reordering to find an excuse to charge me a XXXX fee. Bank of America misclassified my XXXX  XXXX transaction ( a XXXX purchase at XXXX ) just to charge me a XXXX fee. First, the XXXX card purchase should have been declined if the account did not have sufficient funds. Second, according to the XXXX statement I am attaching, after the XXXX point-of-sale purchase and the XXXX fee, the account balance was - XXXX, which means that the account balance before the transaction was - XXXX + XXXX + XXXX = XXXX. After the XXXX purchase, therefore, the account balance was XXXX It suggests Bank of America somehow reordered the transactions to find a way to charge me a XXXX 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 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items reported that are not 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX in the amount of {$3900.00} on XX/XX/2021, 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 a account without my written instructions. 
I take my privacy extremely seriously, and that right has been violated, causing me great distress.

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 2023-02-05
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my Lexis Nexis report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1XXXX XXXX XXXX XXXX. { Reason for Dispute } __not mine_______ I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, Citi Bank contacted me and let me know they will be closing my account around XX/XX/XXXX without telling me the reason why. I had roughly {$78000.00} in my account. They told me the account should be closed between 30 to 60 days and they will send the remaining balance as a check to the address I have on file. I called back on XX/XX/XXXX to check the progress of the account. They told me it's still in the process of being closed but they will email the back office to get so I should call them back in 24 to 48 hours. I called back on the XXXX. They essentially just told me the same thing they will email the back office and tell me to check back in 24 to 48 hours. I called back again on the XXXX and again, and the same response. I've checked online and it seems like a lot of people are having the same problem with Citi Bank on this issue. I have no idea what to do at this point.

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 2018-08-16
Company: All Reverse Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2018, the complainant discussed receiving a reverse mortgage form All Reverse Mortgage staff of XXXX County, CA. As part of the mortgage she was required to set-aside {$19000.00} as a balance that she would receive out of the loan. After the loan appraisal was conducted, it was determination that a portion of those funds needed to be set aside for roof repair work, and she would receive the balance. The actual roof repair only cost {$12000.00}. She was promised ( at least twice ) that she would receive any residual balance ( promised to have originally been {$6400.00} ) and it would be remitted and wired directly into her checking account. At closing she provided check for this purpose. On approximately XX/XX/2018, the check for the roof repairs from XXXX Reverse Mortgage Servicing Department ( the mortgage company that the mortgage was sold to ), was received. However, the remaining repair set aside funds were never sent and were subsequently transferred to the complainant 's available line of credit instead of being returned to her as promised. When questioned about this matter, XXXX said that because she took a line of credit, that she is not due any residual funds as initially promised by All Reverse Mortgage. This statement was never clarified.

Company response to consumer: Closed with explanation