BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
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:
XXXX, XXXX XXXX and Equifax Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the black marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXXXXXX XXXX XXXX, Last reported XXXX XXXX XXXX XXXX$190.00} XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Closed : XXXXXXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXXXXXX XXXX XXXX- I never filled an application out so I'm not sure what this is XXXXXXXX XXXX XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXXXXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX 
XXXXXXXX XXXX  Date XX/XX/XXXX Inquiry Type XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I spoke to them in XX/XX/2023 and Im not able to pay {$87.00} at all due to XXXX from XXXX XXXXthey still wanted me to pay even though the amount was smaller i still can not pay!

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX a card was requested from Chase in my name and I was made aware by my XXXX service of a hard inquiry to that end. On XX/XX/XXXX a second account process was started and the first was accepted. On both the XXXX and the XXXX I called Chase to request these accounts cancelled and all further such requests denied and reported as fraudulent. I have placed fraud alerts and freezes on my credit, but on XX/XX/XXXX my parents received mail from Chase regarding a card application and on today XX/XX/XXXX, I received an email stating the same. I have not yet contacted Chase today, but the continuing barrage of applications specifically with Chase and the labyrinth of their outsourced customer service makes this continued game of whack a mile both frustrating and disconcerting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the year of XXXX we did a refinance to buy down the interest rate in our mortgage with XXXX XXXX XXXX. When the final numbers had been calculated I noticed that the numbers seemed to be low. I called XXXX the loan officer with XXXX, and I asked her if she had added the property tax and home insurance, and her response was yes. When we got the first bill, I had my wife call and ask if these new payments are temporary is it going to go up, and the answer was no it was not and representative had my wife look up the future payments, so she did, and the payments were the same till XX/XX/XXXX. In XXXX of XXXX we get our XXXX bill, and it was for more than XXXX dollars. We called and no one could tell us what the extra fees added came from. Some of the representatives would say that it was something the bank paid, and they wanted the money now. We sent our XXXX payment disputing the remaining amount until someone could tell us what they are for. Through the month of XXXX, we kept calling and asking for a supervisor to call us back or anyone else who can explain what the extra fee are for. Then on XX/XX/XXXX, I spoke to a XXXX who asked me if I felt that my escrow was incorrect and asked me to fax her over the property tax statement and the homeowner 's insurance statement. So, I did, and I never got a call back or any kind of response so on XXXX of XXXX I filed a complaint with this agency and within three days I received a call from a XXXX XXXX from XXXX management team. XXXX began her investigation and out that I had been trying to prevent this happening, but she could not find the communication between myself and XXXX the loan officer because she was no longer with the company, and of course that included the underwriter who also failed to see that the property tax and home insurance was not added. XXXX manages to work out a deal and they ended up apologizing what I know I assume to be Mr. Cooper for not knowing how to provide us with the correct information. Yesterday XX/XX/XXXX, I received a call from an advocate of XXXX XXXX, named XXXX at # XXXX EXT XXXX, who stated that who we had been talking to in XXXX and XXXX of XXXX, was the Mr. Cooper call center. This is why I have decided to do this file this complaint against Mr. Cooper for lack of communication and knowledge and training because this was a mistake caused by XXXX the loan office of XXXX XXXX and now Mr. Cooper for not handling this matter on a timely manner. This matter damaged our credit and made us look irresponsible when I took pride on making my payments. Today we are in desperate need of a equity loan we we are hostage to this situation for at least six more years.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: MD
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 reached out to Experian first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by Experian. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to XXXX and XXXX XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only Experian. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to XXXX XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to XXXX XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to XXXX. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to 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 2023-12-01
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela is my loan servicer. They have an alert on my account to recertify my income for my income-based repayment plan. Mohela is requesting that I recertify by XX/XX/XXXX. The federal guidelines from the Federal Student Aid website are : " If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' I have sent two messages to Mohela about this issue, one message on XX/XX/XXXX and another on XX/XX/XXXX. I have no received a response to either message and the recertification date is still wrong on my account. 

Recertifying my income early will have a massive impact on my tax filing status for XXXX taxes. This needs an immediate resolution and Mohela is not following federal guidelines. I have tried contacting them via phone but the hold times are often 3+ hours, which is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2022-02-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been eight years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to 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 explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I called and asked what options were due to hardship of paying student loan. I was informed in XX/XX/2019 that forbearance was an option and received and submitted the paperwork as requested. 
Forbearance was denied in letter received due to borrower not signing form. 
I have come to find out I was misled and this is not the reason, the real reason was the loan was charged off to collections before decision was made on denying my forbearance as co-signor. My son lost his job, and I had a XXXX XXXX and am not working, presently on XXXX XXXX XXXX. The loan was charged off XXXX-19 and my denial was not till XXXX-19. I was never informed of this sequence of events until I filed a XXXX of XXXX PA complaint. Only then, after leaving voice mail to call me which went un-responded to, was I contacted by XXXX XXXX. I have not been provided the accurate information along the path of attempting to forbear the loan. I simply am asking for options available to any borrower and attempting to pay the loan payments as required when able.

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 2023-01-14
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX Several charges from an unknown vendor listed as " XXXX XXXX XXXX showed up on my Cash App. Multiple charges at various times totaling {$150.00} were debited from my account. I immediately contacted Cash App to alert them that the charges were unauthorized. Cash App responded hours later indicating to create a dispute. On XX/XX/XXXX additional charges totaling {$170.00} was debited in addition to the previous amount. An email regarding one of the amounts was returned. However, several of the charges have been denied stating " documents '' that were relied on. There are no documents, because I do not have knowledge of the merchant who I looked up is listed in XXXX XXXX. I have since reported my card lost/stolen and requested a replacement to prevent any further debits to the card. It has been a week and the card has not arrived timely nor has the funds been returned that was stolen. I would like to add that the funds that were stolen were needed as it was a stipend that was sent to me from the Department of Veterans Affairs. I am requesting a full return of the {$330.00} that was stolen. Finally, since canceling the card numerous attempts were made from this merchant as recent as XX/XX/XXXX for {$17.00}, XX/XX/XXXX {$17.00} and numerous other attempts. On the date of the debits amounts were attempted for {$340.00} on XX/XX/XXXX and {$170.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Bank of America administers the debit card for the California Employment Development Department. When EDD pays unemployment benefits to the card, the funds can be withdrawn, transferred and/or the card may be used as a debit card at any merchant that accepts Visa. Bank of America is preventing monies paid to me by EDD. Bank of America will not allow withdraw, transfer, nor card usage at merchants. Contacting Bank of America seven times in 3 days regarding this issue results in seven wildly different reasons for their block access to funds that I believe to be owned by me. From " your account is closed ' to " there's a block on your card '' to " we removed the block ( 3 times ) and you are good to spend or withdraw '' to " we need to transfer you to our 'risk ' department. '' None of these claims being accurate or true. However, the complaint is not specifically for the above mentioned issue. The complaint is for the staggering lack of accountability held to the customer service representatives. And for the stunning absence of any person overseeing both the performance and behavior of the CSRs. Six additional calls placed with 76 minutes of audio documentation taken by me with the only purpose being the simple request to speak with any supervisor that would accept my call. Not one of those calls resulted in my speaking with a supervisor despite my clear and respectfully toned request to reach a supervisor. Four of the six call audio recordings show being transferred to a number which rings infinitely for up to 45 minutes, and the remaining two calls and requests were met with 30 minute holds while the CSR attempted to find a supervisor. Each were eventually simply disconnected rather after the 30 minutes of hold time by either the CSR or the Supervisor. Bank of America holds not only my CA EDD UI benefits on behalf of EDD, funds paid to me, Bank of America also holds my business funds and personal checking and savings. What is going on at Bank of America. Who is running the company?

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 2023-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. XXXX XXXX reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to Discover and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact Discover because they have filed legal action against me without providing me with any details. Discover refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

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