BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I notified the credit bureaus I noticed on my credit report that my personal information is wrong and needs updating there should only be my name, one address, and one social security number. All other names and addresses im not associated with should be deleted I have yet to hear anything back from the bureaus today is XX/XX/XXXX I have attached documentation down below

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 2024-01-26
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Why did Citi credit card report delinquent for the month of XXXX and XX/XX/2023 to the three credit bureaus after telling me XXXX your account is being placed on hold until after the fraudulent charge is resolved.You also do have to make payments towards your account until its resolved However, I was never notified nor received any response stating my investigation was complete, yet they reported fraudulent delinquent information. 
Im asking that the fraudulent information be investigated, and removed of 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 monetary relief
Consumer complaint received 2024-01-25
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Wells Fargo services my mortgage, I like to keep a couple of payments ahead, so I am paying my mortgage a couple of months in advance. 

The other day, I received a bill from Wells Fargo that I was pass due on my loan, and owed late charges. I then called Wells Fargo and explained that not only was I not delinquent, but I was paid through XX/XX/XXXX. They then pulled up my account and noticed the payment I made on XX/XX/XXXX which clearly states on the check it is for the XX/XX/XXXX payment was posted by Wells Fargo as principal payment only. 
Thereby not posting my XX/XX/XXXX payment in full! Making it look like I never paid my XXXX bill. So I asked them to repost that XXXX payment correctly and bring my account up to date through XX/XX/XXXX, and drop the late charges because my account was paid in full through XX/XX/XXXX. They declined, stating it happened more then 90 days ago, and it was Wells Fargo policy not to correct it, if it happened more then 90 days ago. They then said I would have to make a new XX/XX/XXXX payment in order to bring my account current. 
So I am end up having to make XXXX XX/XX/XXXX payments. 
I asked to speak to a manager, the first thing the Manager told me is she could not help me, because the mistake had been made more then 90 days ago, and it was Wells Fargo policy not to correct the mistake if it happened more then 90 days ago. 
I then asked how this mistake could happen, the check clearly stated in was a payment for XX/XX/XXXX, how could Wells Fargo post the entire check to principal, and not post it for the XXXX XXXX. She claimed it was the fault of their software, if you make to many payments in advance their software decides to post the payment to principal, and not post the payment as a regular payment. 
Once again, by making me make XXXX monthly payments on my account, to cover XXXX monthly payment puts financial distress on me, when this could have been corrected by going back and correcting the error made by Wells Fargo, and posting the payment correctly.

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 2024-02-04
Company: U.S. BANCORP
State: PA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was first prevented from using my card or even able to take funds out of my account that was funded from unemployment PUA. Card would get declined and unable to access fund withdrawal from ATM. When I called, US bank reliacard they said, account funds were taken back from, PUA unemployment. I called PA Unemployment and they said that their agency did not do what US Bank claimed and that the issue was with US Bank, not them. After speaking to Unemployment and learning that their agency did not have any parts of taking my funds back I called US bank XX/XX/XXXX  and received a different answer which was US Bank sent back funds to unemployment due to not verifying identity within timeframe. Claiming PA unemployment was sent aprox {$15000.00} from my account by US BANK. When I called unemployment they looked up my information in their system, which was the only recipient depositing funds to Reliacard account, they did not find any red flag that suggests their agency took back funds, nor did they receive any funds back from USBANK in connection to my name. PA Unemployment said that the matter is with USBANK as they denied requesting or receiving back any funds that were issued to my reliacard account. After giving USBANK the PA Unemployment 's response to their claims, I am no longer given any further answers. When I currently call USBANK customer service either say that they aren't trained in the dept to handle my call and transfer me to another dept, which automatically ends call, or I am told that they can't find my account information. No explanation of any merit has resulted from communication with USBANK when seeking the reason {$15000.00} funds have been removed from 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 2024-02-03
Company: FC HoldCo LLC
State: GA
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: Investigation took more than 30 days

Complaint:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :

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 2024-01-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIRD PARTY- XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- ALLY FINANCIAL is breaking the consumer law pertaining to : ALLY FINANCIAL ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!

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 2024-02-03
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment as late for any purpose.

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 2024-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
My identity was stolen in 2018. The individual that committed this crime apparently purchased a vehicle from Credit Acceptance Corp. The individual XXXX XXXX pled XXXX and went to XXXX. I have submitted all police reports regarding this crime to this company that I know nothing about. The Contract that Credit Acceptance Corp produced does not have my signature anywhere on it. It has my SS # wrong, my date of birth wrong, my address wrong, my name wrong, and my employment wrong. My attorney has written them habitually, however, IT IS STILL ON MY CREDIT REPORT! Due to this Company, my interest rates are higher for my vehicles and credit cards, can't obtain financing for a home. I have submitted the Federal ID Theft Documents, Police Report, and case number to both XXXX on 4 different occasions and XXXX AND CREDIT ACCEPTANCE CORP will NOT REMOVE IT FROM 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 explanation
Consumer complaint received 2024-01-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BMO/XXXX  Fraud Unit Is Non-Existent XXXX | XX/XX/2023 I opened an account at BMO/XXXX  just prior to XX/XX/XXXX. I originally funded the account with {$25.00} through an ACH deposit from one of my other banks. That deposit was followed by a XXXX XXXXXXXX deposit which sat in my account for a while or until at least it cleared, which it did. I was looking at my account and discovered that XXXX of my creditors attempted to set themselves up as XXXX Accounts which I did not authorize. Before this discovery, I attempted to make XXXX ACH Transfer to XXXX different accounts. Which after 5 days they did not go through, so I called XXXX bank to discuss this transfer and the attempted external accounts. The Rep put in a complaint for me, or so I thought. Based on the attempted fraudulent additions, I ask that the XXXX ACH Transfer be canceled until this is resolved. This was on XX/XX/2023. My account was immediately locked up, preventing me access to my account or my money. I did get through to the main number and was told that the Fraud Unit was investigating and would contact me in 3-5 business days, It is now the XXXX of XXXX and I have yet to hear from this so-called Fraud Unit. Both me and my attorney have made several attempts to contact this Fraud Unit and if we do happen to get someone to answer on the main number, they transfer us to a non-monitored line, and we sit on hold for a long time and in some cases over two hours and gave up. I want access to my account and my money as I now wish to close out this account. I know I am not alone with this problem as I have read other complaints. The question is, where do I go from here? They are holding over {$30000.00} hostage and I really need my funds. How are they allowed to get away with this? Time for the Feds to investigate this bank and seeing they are actually a XXXX Bank, prevent them from doing business in the USA. 

If you follow this link, you will find Numerous Complaints against BMO/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX They have my account locked up and are holding over {$30000.00} of my money and are hiding the fact that their Fraud Unit is nonexistent. I honestly believe that their intent is hoping I will just go away and allow them to defraud me out of my money. Please investigate and help me resolve this injustice. I think you will find the additional complaint with XXXX quite interesting if you are not already aware of this site. 
Thank You, 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 2024-01-01
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This is related to CFPB complaint XXXX. 

Sent several emails requesting information about my account starting in early XX/XX/XXXX. It wasn't until my first complaint with the CFPB in XX/XX/XXXX did I received a response telling me that my problem had been resolved because I had spoke with a customer service representative on the phone. It had not been resolved, hence the several following emails requesting information. On XX/XX/XXXX I received an email response from MOHELA saying that the Department of Education had put me into a discretionary forbearance as part of the XXXX loan discharge process and that they will now be taking me out of the forbearance status. I did not request to be taken out of forbearance, I just wanted to know 'why ' they had put me into forbearance, why they were charging me interest on something I did not ask for, and when do they expect this to be resolved. 

On the early afternoon of XX/XX/XXXX I checked my account and it was still in forbearance. I checked my account this morning ( XX/XX/XXXX ) and am now showing that a {$400.00} payment is due on XX/XX/XXXX. I did not receive any notice that a payment was due. I now have less than XXXX weeks to make a payment, and since I am not sure I can come up with that kind of money in such a short period of time, I am concerned that I will now have a late fee and be disqualified from XXXX program. I feel that this is completely unethical and unfair business practices. 

I did respond to MOHELA 's XX/XX/XXXX email stating my concerns about not receiving a payment notice, the payment due date being in less than XXXX weeks, and that I want them to put me back in forbearance ( without interest accrual ), but it takes them months to respond, so I'm not quite sure what to do here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Applied for SAVE plan with prior service provider then was switched to Mohela. Requested they obtain the information from prior provider which they refused to do so I reapplied and then for the month of XX/XX/2023 they put me in forbearance which I did not request. Customer service wait times are consistently hours long

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: MOHELA
State: IL
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:
I have 3 different student loans that were given/sold to Mohela and are now being processed through the company. I have tried reaching out to ensure my auto-debit payment reflects all three accounts. It should be a total of {$300.00}. However, the first time they were supposed to process the payment, they did not, making it late. I had to call and make a payment. Looking at my account, the called-in payment was posted but did not pay all three accounts. This payment was not needed because my account was put in forbearance. I am frustrated because I have received many messages that say different payment amounts, different pay dates, notices that do no have enough time allotted, and forbearance enrollment. I have tried to call and sat on the phone for 60+ minutes to have the call disconnected. I am frustrated with the process. I am so close to meeting the requirements for PLSF, I do not need a company that is overwhelmed, mess things up for me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Experian Information Solutions Inc.
State: MO
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:
Lies lies lies is all this predatory company does closed this account with another lie but it's coming to a head AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent several certified letters to Experian that they are reporting incorrect information on my credit report. I have asked for method of verification and Experian still has not responded appropriately. Their lack of professionalism is disrespectful and costing me and my family financial distress. Experian refuses to respond or delete inaccurate information after given the 30-day period to investigate my disputes. Stalling, hoping that I would stop disputing eventually.

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 2024-02-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent an opt out letter to XXXX XXXX, Lakeview Loan Servicing , LLC and XXXX on XX/XX/2023 according to 16 cfr 313.7, 15 usc 6802 and 12 cfr 1016.7 and received zero response. I would like these removed from my credit profile permanently. Also a violation of the Privacy Act of 1974.

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 2024-02-01
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Freedom Mortgage using the law firm XXXX XXXX XXXX XXXX filed an illegal foreclosure on my home at XXXX XXXX XXXX, XXXX XXXX NJ XXXX while being protected by the VA moratorium. I received from XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ final foreclosure XXXX  XX/XX/XXXX on XX/XX/XXXX. I am a Veteran with a VA XXXX rating of 30 % with 2 items pending and a 100 % XXXX rating from XXXX XXXX. I contacted both Freedom and XXXX to advise them that they filed an illegal foreclosure on my home. This mortgage is VAbacked and is protected from foreclosure under VA XXXX XXXXXXXX  dated XX/XX/XXXX. I urge Freedom via phone on XX/XX/XXXX and email on XX/XX/XXXX to take immediate action to ensure XXXXXXXX XXXX XXXX submit an immediate order to vacate the illegal foreclosure documents with the XXXX XXXX NJ XXXX XXXX. I expressed to both parties that the severity of this situation can not be overstated, and steps must be taken promptly to protect my constitutional rights and property. As of today Freedom or XXXX XXXX XXXX have not responded. I am begging for your help to protect my home. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2024-02-02
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:
Upon renewing my credit card and paying the {$95.00} fee in XXXXXXXX XXXX XXXX I was offered a retention offer to spend {$95.00} in purchase and receive a {$95.00} statement credit. This never posted to my account despite me fulfilling my end of the offer. I have contacted Citi Bank 5 times now, and they refuse to resolve the issue. I have heard complaints of this happening, and I figure they feel I will just eventually give up. Please advise. 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 monetary relief