BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$350.00} ; XXXX  XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$9000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} 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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/2023 to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$480.00}

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 2023-11-29
Company: Experian Information Solutions Inc.
State: OH
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, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 

ACCOUNTS/ INQUIRIES/ COLLECTIONS/ ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EdFinancial Services
State: UT
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:
Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment over the phone on XX/XX/XXXX for XXXX and XXXX and the payment was accepted. Received an email on XX/XX/XXXX stating I have missed a payment from my student loans. My EdFinancial account shows XXXX of my loans have late payments from XX/XX/XXXX even though I paid for XXXX and XXXX on XX/XX/XXXX. I can not reach anyone by phone or get an email response back.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-10
Company: LoanCare, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute an account that does not belong to me for the past year with no resolution.

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 2023-11-27
Company: EdFinancial Services
State: NE
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:
EdFinancial has a 0.25 % interest reduction for setting up auto-pay, I have set up auto-pay multiple times ( initially XX/XX/23 ) since my loan was transferred ( each time the confirmation saying it would take 2-3 business days to take effect ) and I was actually able to access it, but nothing has happened. I'm not receiving the interest reduction, auto-pay still has not been set up, EdFinancial refuses to reply to my emails ( the first email was sent on XX/XX/23, mentioning that the " new '' start date for the auto-pay changed to XX/XX/23, rather than the XX/XX/23 initially quoted, but it still has not started ), the chat option isn't available whatsoever, and it seems like multiple other people ( according to a XXXX thread ) are going through the exact same issue. It seems deliberate at this point, in an effort to avoid the interest reduction that was guaranteed.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-10
Company: U.S. BANCORP
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been an account holder of US Bank which is responsible for handling my XXXX income. The bank has consistently emptied out my bank account through some illegal banking practices that I can not pinpoint because of the information presented to the account holder. There have been numerous transactions by the bank and unknown merchants that cause my account to fall into a deficit. If I try to apply for a credit card or mortage? The bank denies my applications even though I have an adequate source of income. The bank, FDIC, and other law enforcement authorities have failed to provide protections for minorities who find themselves bankrupt, institutionalized, an/or homeless.

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 2024-01-10
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday XXXX and XXXX informed me of several credit inquiries on my credit report that were not me. So I am going through the process of disputing them now.

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 2024-01-10
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I downloaded the XXXX XXXX  app and put all my information correctly to make an account but they told me we are sorry we can not able to make account for you today could because I do not need to qualifications I do not see why I do not. I have XXXX ready to put in my savings account and I have no debt at all and I have a steady income so please explain to me why I can not open the account

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 2024-01-11
Company: CITIBANK, N.A.
State: WI
Product: Credit 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:
In XXXX I received a bill from my credit card company Shop Your Way ( XXXX ). On it was a charge for {$480.00} from a company called XXXX XXXX XXXX I IMMEDIATELY called Shop Your Way and stated I never made a transaction from them. Two wks later I called back. Was told charge was dropped and was issued a new card. I also asked verification which wasn't received. I used my new card which they sent plus paid off the majority of my due amount. With the next statement on my " new card '' the charge I didn't make was still on my account. I called the fraud unit back and asked for the phone number of that company XXXX XXXX. I tried several times and couldn't get ahold of them nor have received any correspondence from them or SHOP YOUR WAY. I told them to block my new credit card until I got some answers from them. Week past I called back and was told they closed my account. Now today I received a pin letter from them saying I was liable for the charge and if I didn't make payment they would contact the credit bureau. 
I HAVE NEVER EVER NOT MAKE A PAYMENT INFACT I HAVE PAID AHEAD. I called them back today and the fraud unit said they will reopen case when I asked her what did they find out. No given answer. I asked for her operator no which she couldn't give but was given this case number CASE # XXXX I am still wonder how that company got my new credit card or was it just SHOP YOUR WAY. To totally close my account after being a good customer is beyond me.

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 2024-01-09
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX consumer credit report sent to me via mail.

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 2024-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX {$150.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} Were all unauthorized transactions out of my bank account I reported the transactions to XXXX for Fraud on XX/XX/XXXX and previously in XXXX to XXXX for Fraud. On XX/XX/XXXX XXXX initiated the dispute for the transactions and requested that i sign a WUSD. I never recieved a WUSD from XXXX for signature within 10 buisness days. The case was closed and my nothing was done for my fraud dispute, due to XXXX failing to provide me with a WUSD to sign. I attempted to contact XXXX multiple times to get a WUSD To sign. 

Transactions are not listed on my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a victim of identity theft. On XX/XX/XXXX my Wells Fargo Bank called me, and stated that my bank account had been used by an unauthorized malicious hacker from XXXX. On that same day I had received voicemail calls from XXXX. My XXXX XXXX was stolen and another malicious hacker from the USA began steeling from my checking and credit card accounts from XX/XX/XXXX to XX/XX/XXXX. They stole XXXX  XXXX dollars from me! I had the same banking checking account since XXXX. I have never had this problem until the first week of XXXX of XXXX. Wells Fargo has denied my claims. This is why I am reporting with your company, so I can receive help!

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 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank transferred without my authorization from my savings account to my pending account to update a negative amount

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 2024-01-12
Company: OLD NATIONAL BANCORP
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX  XXXX bankruptcy was discharged on XXXX XXXX. I was advised it takes up to 60 days for Mortgage to report to credit bureau. I have contacted all three credit bureaus thereafter and they do not show a mortgage reporting. I contacted Old National on or about XXXX XXXX and was advised they report on the XXXX of the month. To date XXXX XXXX - my mortgage is not reporting. 
This is a major impact on my quality of life and its not acceptable.

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 2024-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I filed a complaint with the CFPB on XXXX XXXX XXXXXXXX CFPB sent my complaint to BOA in regards to my credit card payment not being procerssed. I ahve left three messages with BOA XXXX XXXX XXXX XXXX and she still has not repsonded to my request. I apid trhe credit card off in full ( {$2100.00} ) on XXXX XXXX XXXXXXXX and the payment is being held by BOA and not credited to my account. I paid sveral other cards off and the accpted payment and credited my account he same day. BOA is still holind my payment and refuses to apply my paymnt to my account. I beleive this is illegal. My two complaints with CPFB with BOA have been forwarded to US Senator XXXX XXXX XXXX office this morning. 

I am requesting enforcement action against BOA imemdiately. BOA 's bahavior is deceitful, deceptive, and unaccaeptable.

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 2024-01-12
Company: CITIBANK, N.A.
State: NY
Product: Credit 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:
Dear representative, I was scammed by XXXX XXXX. 
Found concert tickets on the XXXX website ( p. XXXX ), ordered tickets, and got a confirmation ( p XXXX ) : Youll receive an email with instructions and tickets from the original provider, not XXXX. Found tickets 2 times cheaper on XXXX XXXX. Tried to cancel the XXXX order, no cancellation only a sale on the same website. Tried to sell, but nothing to sell, tried to find from them where are the tickets and who is tickets provider, no result. A charge of {$830.00} appeared on my Citibank statement. 

Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XX/XX/2023. 
Tracking # XXXX XXXX created a double scam ( p. XXXX ) : Send your tickets for sale, if you do not send charges will apply. 
A charge of {$300.00} appeared on my Citibank statement. 

Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XXXX XX/XX/2023 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to FTC regulation Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved.. 

https : //consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges But the charge is still on my account. Please please help to correct this issue. 
Thank you.

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 2023-12-05
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, working for the same institution for over 20 years. The Public Service Loan Forgiveness program was a godsend, after earning the degrees necessary to enter the XXXX XXXX. Once on the program, I certified my employment and verified our income in order to maintain the terms of the program. Despite XXXX XXXX mishandling, we were relieved the bulk of our remaining balance was forgiven after ten years of never missing a payment. The remaining balance could not be explained, so XXXX had me on administrative forbearance until they could work it out. Then my account was transferred to MOHELA. We were thrilled to receive a letter in XX/XX/2023 from MOHELA stating that the remainder of our loans had been discharged and we were no longer required to pay. Imagine my surprise when I was given notice in XXXX that I would resume payments. Since then, I have been on the phone with MOHELA for hours, missing multiple days of work trying to figure out what went wrong. Worse, at the end of XXXX, the US Dept. of Education made an automatic withdrawal of approx {$550.00} in repayment of the loan. This was money I had set aside for groceries for my family of XXXX. I have spoken to countless representatives at MOHELA at varying levels. No one can explain why I am in repayment. All assure me that they will place my account on PSLF forbearance and it doesn't happen. I currently " owe '' a loan payment at the end of the month despite multiple assurances that I will be placed on forbearance. In the meantime, I have worked with my US Representative, XXXX XXXX XXXX office. They communicated through their congressional liason my complaint and indicated that many people have complained about MOHELA. I also filed a complaint with the Federal Student Aid Ombudsman. When I spoke to XXXX ( XX/XX/2023 ) who presumably is in the ombudsman office, he indicated that not only had I satisfied the terms of the loan, but according to the National Student Loan Data System, I had made 135 qualifying payments! Please help me make MOHELA accountable. I have met and exceeded my obligations according to every representative I speak to - yet, they still send me bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-29
Company: MOHELA
State: AZ
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:
In XXXX I refinanced my home in hopes of paying off some debt. My lender accidentally sent a {$14000.00} payment to my student loan ( which was in Covid deferment at that time ) instead of paying off my vehicle, which created huge financial issues for me. 

I am part of the Public Student Loan Forgiveness ( PLSF ) program XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and when I called my servicer at that time I was told that I would have to complete the PLSF program and would be reimbursed after I hit my 120 payments. I reached 123 payments and have inquired several times about getting reimbursed for the overpayment, but have not been able to get any information about getting reimbursed.

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