BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchase d an American Express Gift c ard on  XXXX   XXXX ,    2017  ... in the amount of  XXXX . My daughter lost the card, on the  XXXX  of  XXXX . I immediately called on the  XXXX  to have it deactivated. On the  XXXX  of  XXXX  ... I faxed over documents such as, my drivers license and the original receipt of purchase to the company, so that I could get a replacement card ... . XXXX   XXXX  ... a letter was mailed by the company to my physical address stating that the items sent by  XXXX  were n't clear ... .I complied by sending in another set of documents  XXXX   XXXX , Just to be told by  one  of there reps ... ..the documents I sent in a second time were also blurry. The information sent in was to verify my physical address ... However, the company should n't need anymore proof of residency, if I responded to the letter mailed by there company to my physical address via phone call/ fax. I feel my giftcard should 've been replaced immediately. I feel as if, I 'm being given a run around. I really want to file a class action suit on behalf of any consumers, who have been ripped off by there company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : $ 5,642.00-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My old account was closed last month when I told back in XX/XX/2022 it would be closed then due to fraudulent activity from someone in California hacking in/making as if they were a loan company. Account should have been closed in XXXX when the agent told me it would be and when she opened me a new checking account with the bank. Fast forward to today I wake up to {$540.00} hold on my current account. Basically Im told even though someone took money from my account Im still accountable for paying balance owed

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXXBalance Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.

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 2022-09-30
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Way back in  XXXX  of  XXXX , I called   XXXX    XXXX   XXXX , a collection agency regarding a medical collection in the amount of {$220.00} that was appearing in my credit report. There are  XXXX  amounts of {$220.00} with  XXXX  different account numbers. My intention was to pay all of them. They accepted the first account with {$220.00} payment but decline to accept the second payment of {$220.00} for the other account. I was told it was a duplicate even though it has  XXXX  account numbers. I decided to wait and do nothing hoping that they will also delete that collection account since it was a duplicate.   On  XXXX   XXXX ,  XXXX , which is today, I called again the   XXXX    XXXX   XXXX  collection agency and inquired why that collection is still showing on my report. I was told by  XXXX   XXXX  from   XXXX     XXXX   XXXX  that the account actually belongs to someone else and that it was paid for already.   I ask  XXXX  to delete it in my report.  XXXX  told me to call Experian to dispute the account and then Experian will call them to verify if it was really paid.   Since it was not my account in the first place, they should have deleted it way back in  XXXX  of  XXXX . The duplicate account which I paid for with the same amount was deleted in my credit report. Why not do the same with the duplicate?   So, Im writing this dispute to have it deleted in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: GA
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:
Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: DC
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:
I need these hard inquries removed from my credit reports. 
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 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 2023-10-15
Company: MOHELA
State: GA
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:
The US Federal Student loan program has restarted loan collection. The program has been postponed on two fronts. 1 ) COVID Pandemic and 2 ) President XXXX XXXX 's effort to seek loan forgiveness through the legal channels. 

The COVID Pandemic has end and the Presidents efforts were not successful.

The US Department of Education outsourced the collect of the loans to a dot com company Mohela. This is where the issue begins. 

XXXX of 2023 is the month for the billing restart, however Mohela has not mailed any billing notices to the loanees. Normal business practice for almost all businesses is to send a bill showing the account information, payment amount and date due. 

Mohela has intentionally avoided normal billing process. They have have not mailed any billing information. This permits Mohela to force loanees into default status. If you are unaware of the bill, due date, and penalty, then there is a very high percentage chance that you will be leveraged into default for non payment. 

Leveraging loanees into default is a strategy used by the dot com Mohela. It is unethical, and not legal. In a word, it is wrong. 

Mohela has been aware, for most of 2023, that the loan collection restart for the month of XXXX. Mohela stands to make perhaps millions by forcing default. Students on a payment plan which goes into default, loses reduced payment status immediately, and transitions to the highest possible payment scenario. A loan repayment with monthly installments at {$250.00} could instantly become a {$1000.00} or more while in default. The remedy to default is very laborious and should be avoided. 

Mohela is manipulating the default by bypassing the standard procedure of sending out monthly bills at the restart of loan collection. No notice was sent by Mohela, who tries diligently to force you to go online to open an account at their dot com web site. Many loanees do not have access to the web or choose not to use their website. This should not prevent Mohela from sending bills in advance of due dates. 

Mohela 's bypassing of the billing process is highly suspect and most likely illegal. 




# In addition to the complaint category selected there are other categories which also apply including : *Trouble with how payments are being handled *Received bad information about your loan ( no information, incorrect, incomplete, or inaccurate information ) *Need information about your loan balance or loan terms

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 2023-08-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXXXXXX XXXX Inquiry Date XX/XX/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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a 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 2023-08-24
Company: Experian Information Solutions Inc.
State: MO
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  account number : XXXX ; ( listed twice on reports ) XXXX XXXX XXXX account number : XXXX ; XXXX XXXX, account number : XXXX ( listed twice on reports ) ; XXXX XXXX XXXX  account number : XXXX ; XXXX, account number : XXXX ; XXXX, account number : XXXX ; XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX XXXXXXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.

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 2023-07-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. The debt showed up on my credit report with no validation of debt or my rights regarding the debt sent to me nor was I ever contacted by the company in any way regarding this debt.

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 2023-08-24
Company: Experian Information Solutions 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 information being reported on my consumer report resulted from identity theft. Ive never provided you or any furnisher written instructions in accordance with the Fair Credit Reporting Act to furnish anything to my consumer report without my consent. I have kids and trying to better my life for me and them, but it has been a struggle for me. Due to your unfair credit reporting methods that's damaging my reputation which is vital to me for being able to properly operate in commerce. Please fulfill your vital by exercising your grave responsibilities with fairness and respect my consumer right to privacy.

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 2023-08-28
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine & Weiner sent me a debt collection notice for " XXXX XXXX XXXX XXXX ''. To my knowledge, I have never transacted business with XXXX 's. When I contacted Caine & Weiner to inquire about the alleged debt, they could not provide me with any information about the debt, nor could they provide me with information about how to contact XXXX 's. The representative told me I could " look them up online ''. Frighteningly, they knew at least the last four digits of my social, and they knew my birthdate. 

When I finally found a way to contact XXXX 's, they had already received numerous calls about this debt-collection company ( Caine & Weiner XXXX XXXX but they did not have any information on any debt I might owe them. 

I believe Caine & Weiner is fraudulently trying to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We contacted Freedom Mortgage on XX/XX/XXXX because we had a recent escrow analysis completed with the incorrect information. The escrow analysis projected our real estate taxes for XXXX to be {$2400.00}. My wife tried to explain to both customer service and the Tax Department that for the XXXX tax year, we were only billed {$1700.00}. The amount disbursed from escrow was only {$76.00} due to a credit we had of {$1700.00} from overpaying at closing. We requested multiple times for the tax amount to be updated to {$1700.00}. We initially were told it would be updated, then they said they needed documentation from us. We don't receive our tax bills since it is paid from escrow. We explained multiple times that they could visit our county website of XXXX XXXX XXXX and easily see the amount we were billed just like we did. We were told by XXXX XXXX this issue would be resolved by XX/XX/XXXX and we still have not had any updates. My wife handles mortgage servicing for another bank and has worked in this industry for the past 14 years so this should have been a very easy process. We asked to have our XXXX taxes updated to {$1700.00}. Then, after it was updated, we wanted a stop payment placed on the escrow refund that was sent to us for {$2300.00} and the funds deposited back into the escrow account. Once the funds were deposited, we requested for a new escrow analysis to be completed effective with the XX/XX/XXXX payment. So basically void the last escrow analysis completed. It is important that the effective date of the payment be XX/XX/XXXX and the previous escrow refund be stopped and placed back into the escrow account before completing the new analysis. Our monthly payment beginning XX/XX/XXXX should be around {$3000.00} with the escrow portion of our payment being {$210.00}.

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 explanation
Consumer complaint received 2022-08-28
Company: Kriya Capital, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around the XX/XX/2022 time frame, I switched my cellular carrier from XXXX to XXXX XXXX, which is a re-seller for XXXX services as this change lowered my service costs. Consumer cellular said that they would take care of the steps needed to make the change and cancel my XXXX account. Some time passed and I was still getting bills from XXXX and after numerous conversations with XXXX, I found out they were still billing us for our XXXX watches. We finally got that settled and made sure that any remaining charges were paid and based on XXXX inquires to XXXX, our balance was XXXX. Sometime during this lengthy transition a collection bill for {$420.00} shows up claiming I owe XXXX more money. First off, I always had my payments on auto-pay and I never had late payments a, nd bills that showed up from XXXX during this process, I either paid or contacted XXXX to take care of it. Sometime in XXXX, this company, Creedence Resource Management filed a collection notice saying I owe {$420.00} to XXXX which now, has taken my hard earned credit score of XXXX down to XXXX for noting that I have done. I have repeatedly contacted XXXX and verified I owe them noting and I have no idea where this is coming from. I do know that someone is responsible for initiating this and I expect this to be corrected and removed from my credit reports. I am prepared to take legal action against this company for falsely filing a negative credit notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched UNAUTHORIZED CHARGES USAA CARD XXXX TOTAL {$320.00}. FRAUD REPORTED XX/XX/2018 ARE THESE FRAUD INVESTIGATIONS COMPLETED YET? WHY WASN'T I SENT ANY NOTICE AS PER LAW? USAA NEVER SENT ME ANY DOCUMENTATION AFTER COMPLETION OF INVESTGATIONS. WERE TEMPORARY CREDITS EVER MADE PERMANET IN MY FAVOR??? IF SO WHEN? PLEASE SEND ME WRITTEN DOCUMENTION OF THE RESULTS OF THESE INVESTIGATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation