BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For the past XXXX years, I have been a special education teacher in XXXX XXXX schools. My dates are as follows : XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX to present at XXXX XXXX XXXX, XXXX, MI All schools are verifiable in the database. At all times I was a highly qualified special education teacher. 

They are denying me relief under the XXXX XXXX XXXX XXXX ( NOT PSLF ) because of XXXX and XX/XX/XXXX. I gave my last day as XX/XX/XXXX to spare my district from paying me for XXXX, which was an asynchronous day and no one would have shown up anyway. I also could have taken a paid sick day. Instead, I was honest and gave my last day as the XXXX so as to save my severely underfunded district money. 

I originally was going to start on XX/XX/XXXX in XXXX XXXX but they said I couldn't start until the XXXX because they only did new orientation via XXXX on Tuesdays. I was literally precluded from starting before then. 

Before I took ANY job, I always made sure it was in this database to qualify for forgiveness. I could have worked at a private school, a wealthy school, or gone back to practicing law ( previous profession ) but instead I relied in good faith on the XXXX XXXX XXXX XXXX. They are literally denying me my relief because of XXXX days. This is a slap in the face to all hard working teachers and the original drafters of this federal legislation. I welcome any help available. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I entered into a group buy for a set of mechanical keyboard keycaps produced by XXXX in XXXX. XXXXXXXX XXXX XXXX were the vendor for this group buy and took payments on behalf of all XXXX buyers. The expected manufacture date due to covid was approximately 8 to 10 months from purchase. It has become apparent that at the same time XXXXXXXX XXXX XXXX unbeknownst to anyone else, was running their business as a Ponzi scheme. They were using funds from group buys meant to pay the manufacturer for the ordered goods on other projects. They have since deleted their website, closed their discord, stopped replying to emails, and have essentially vanished with the funds. I have tried to file a disput with my bank Bank of America but have been told repeatedly that it is outside of their dispute window, which is an appalling short 78 days. As the manufactured date for this purchase, and so many others in general especially with supply chain issues, is so far from the purchase date by the nature of a group buy it would mean that it was essentially impossible to ever request a refund or dispute these charges from the very beginning. Bank of America is refusing to initiate a dispute on my behalf for goods that were paid for but never received. Since I never agreed to any delays I am entitled to a full refund pursuant to https : //www.ftc.gov/business-guidance/resources/business-guide-ftcs-mail-internet-or-telephone-order-merchandise-rule. I would suggest looking here XXXX XXXX XXXX for more information on XXXXXXXX XXXX XXXX and their ongoing issues.

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 2016-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
My mother past away. I reported her death to Chase bank & ensured her dept was paid in full. Chase then issue a refund on the account due to her rewards points. They will not speak to me on the account, nor will they issue a refund check. Yet I can see her closed account was a credit balance. I understand if you ca n't get me that money, however I want Chase 's business practices audited. They are even supplying the wrong phone number for return contact on their secure email communications through Chase.com. How bad do they have to get before the government intervenes?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: TD BANK US HOLDING COMPANY
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: Old information reappears or never goes away

Complaint:
Lenders are showing charge-off of accounts that were closed XXXX. Nordstrom TD Bank original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX XXXX original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX. They are all more than 12-24 months old and must be moved from my credit as they are destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, 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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 2019-08-30
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The California Business Bureau ( XXXX XXXX XXXX XXXX, XXXX Ca XXXX phone XXXX ) opened a debt collection with me in XX/XX/2019 when I received a letter from them. I called them in XXXX asking them to show me what the specific debt was. Within a couple of weeks I learned it was a medical bill from the the previous fall that was legitimate. I paid in full in XXXX. Never in my conversation with California Business Bureau did they say if you don't pay by a specific date we'll report this on your credit. Even though I paid it in full in XXXX ( 2 months after they opened the account! ) they reported it to credit bureaus creating the only delinquency mark I have had on my credit in 30 years ). 

I didn't know I had a mark on my credit until I applied for a home equity loan in XXXX. I was shocked that CBB had reported me even then I'd spoken with them, received their information, and paid the bill in full in XXXX. All within 2 months. If that's legal, it should not be. 

Medical billing is confusing and works against consumers. The fact that a collection agency can harm my credit after I paid the bill in full within 2 months is outrageous. I believe CBB 's practices are misleading and harming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES ARE NOT MINE 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 2023-07-25
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I rented an apartment for {$2400.00} a month and I signed the lease the pandemic hit I lost my job but I kept trying to pay the rent once I got to XXXX of XXXX I was no longer able to pay {$2400.00} a month for rent I made an agreement with the realty company and the owners to pay only {$1200.00} due to my situation and the pandemic they agree now they're trying to collect the {$2400.00} per month for 6 months when I only owe them {$1200.00} as agreed for 5 months from XXXX of XXXX to XXXX of XXXX when I moved out making that only {$6200.00} I am willing to pay that off and make an arrangement but they refuse it this should be against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I am writing to bring to your attention an issue I have been facing regarding my credit reports. I have noticed that there are several inaccurate accounts listed on my XXXX, XXXX, and Experian credit reports. 

I have tried to dispute these inaccurate accounts directly with the credit bureaus, but they have not been removed. These inaccuracies are negatively impacting my credit score and making it difficult for me to obtain credit when I need it. 

I am requesting that the Consumer Financial Protection Bureau take action to ensure that these inaccurate accounts are removed from my credit reports with XXXX, XXXX, and Experian. I have attached copies of my credit reports to this letter to help with the investigation. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate and remove inaccurate information from credit reports. However, in my case, the credit bureaus have not taken any action to correct the errors on my credit reports. 

I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter and ensure that my credit reports are accurate and up-to-date. Thank you for your attention to this matter.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2020-06-14
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: Their investigation did not fix an error on your report

Complaint:
XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with XXXX at least four times. The first three times XXXX took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to XXXX. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. XXXX still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to XXXX, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.

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 2023-07-25
Company: LFG Data Services Holdings, LP
State: MI
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 have previously disputed XXXX XXXX Bankruptcy with said company and in response they verified the item as accurate stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: BARCLAYS BANK DELAWARE
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: Was not notified of investigation status or results

Complaint:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with BRCLYSBANKDE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with BRCLYSBANKDE for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: OH
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX closed accounts need to be removed XXXX XXXX  of XXXX closed on XX/XX/XXXX tower loan closed account remove account XXXX closed accounts auto loan XXXX XXXX ( it was removed from XXXX i need it removed from XXXX and experian asap ) XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiries XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX experian closed accounts XXXX XXXX remove account XXXX  XXXX XXXX  close account XXXX XXXX XXXX XXXX XXXX XXXX experian inquiries remove all inquiries XXXX XXXX XXXX XXXX XXXX this

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 2022-07-21
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation