BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: MOHELA
State: TN
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:
Last XXXX I consolidated and filed for XXXX because under the waiver I have over XXXX qualifying payments. The history of all the nonsense with XXXX  XXXX is laid out in my previous complaint. I was transferred to MOHELA in XXXX - XXXX XX/XX/XXXX the ombudsman named XXXX told me they can request that my forgiveness be escalated because I met all the criteria and had been waiting so long. XXXX, with the Department of Education, advised me to file a new form with MOHELA instead of relying on the transferred form, as sometimes there were issues with those, AND it would get XXXX more payments certified by my employer ( even though I don't need them, as I am well over the XXXX - started with the federal govt in XXXX and still working the same qualifying job ). On XX/XX/XXXX I followed this advice and submitted the new XXXX form to MOHELA. Not seeing it, the next day I panicked and submitted a duplicate form. I called Mohela and the rep told me it was fine, that the second one would be deleted as a duplicate and not to worry. On XX/XX/XXXX I called Mohela because BOTH the non-duplicate and the duplicate forms were marked as duplicate and not processed! XXXX at Mohela changed the first one to processing again instead of duplicate, but told me there was no way to expedite and that I would have to wait all over again for XXXX business days for it to process even though I had already waited and this was their error! It isn't right to put me at the back of the line, again. I have been waiting almost a year now for forgiveness. I have tried to get a supervisor on the phone and have had to give up waiting on XX/XX/XXXX for over XXXX hours, XX/XX/XXXX for over XXXX hours, and XX/XX/XXXX I was on hold for a supervisor for over XXXX hours ( I have screenshots ). The trainee at MOHELA told me I could email to speak with a supervisor, but I pulled up what she suggested and there was NOWHERE on the site where you could email to request a supervisor call you, in spite of what their actual rep told me. So my complaints are that my forgiveness should be expedited bc this was their error in marking it a duplicate AND that their reps are dishonest ( probably unknowingly ) in telling you to email a supervisor because you literally can't - you can not get XXXX on the phone nor by email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a business transaction with a company called XXXX XXXX to sell them some household items. They deposited {$4500.00} into my account on XX/XX/XXXX, sent a copy of the transaction, and Bank of America reflected the amount in my bank account. 

The supposed representatives of XXXX XXXX in Texas claimed an accounting error and requested a refund of the deposited money amounting to {$3300.00} to be deposited through Bank of America. The money was returned to them on XX/XX/XXXX via a XXXX transfer that Bank of America authorized because the amount still continuing in my bank account. 

On XX/XX/XXXX, the supposed company mistakenly deposited another sum of {$4500.00} again, but this time the Bank of America stopped the transaction because it was a check and email me to explain the situation. 

The company stopped communicating after explain the BOFA hold the second check, and the money continued to be deposited into my account until XX/XX/XXXX, when Bank of America withdrew the funds because they could not find the account. 

This situation has been very complicated because Bank of America claimed to have credited my bank account, leading me to believe that the transaction had been approved. 

If the bank knew it was a check, why didn't they hold the first check like they did with the second one? 

These kinds of gaps make small contributors victims of criminal networks of scammers who impersonate identities. 

Bank of America claims the victim 's problem is that they never led me to believe the transaction had been approved, but the money was in my account for almost six calendar days. 

Bank of America has all the possibilities to hold a check until it verifies that it has funds and not reflect them without certainty. 

Now I have suffered significant financial damages. I am a small contributor, and that money was all I had to cover my personal expenses. 

I hope that justice is served and that Bank of America acknowledges its mistake and refund my money lose, reports the BOFA accounts of scammers it harbors in its bank, and halts its users on 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 2023-11-30
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX Currently have some fraudulent account and inquiries appearing on all three of my credit report. I have attached supporting documentation.

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 2018-02-20
Company: Fidelity National Information Services, Inc. (FNIS)
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:
HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?

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 2023-06-26
Company: Upgrade, Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX mentioned I have been pre approved for a personal loan. When Ive contacted the loan office, they mentioned later that I was not approved via the offered that was mentioned thru XXXX XXXX which has ultimately decreased my credit score dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is reporting inaccurate information on my credit report. There are several names and address on my report that is not mine and I have never lived at this address.

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 2023-02-17
Company: WELLS FARGO & COMPANY
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
See previous disputes for scam details. 

Wells fargo continues to refuse to do the ethical thing and waive this transaction. 

Their own employee over the phone and im sure on a recorded line said this was a scam. 

When I originally offered to settle ( this has been impacting my credit while trying to resolve ) I was ran through an idc calculator. The collections agent persuaded me to answer one of the questions differently than what I had originally answered. This caused me to be denied a settlement. This is illegal and will also have been recorded. I had said I am willing to pay everything. The only thing I am asking to settle on is the interest accrued while trying to resolve this. The collections agent told me if I don't pay the whole thing they will just sell the debt to a collections agency and write off the lost money in their taxes. This is irresponsible lending. 

At this point I liquidated my IRA to cover the 2 legit charges and the {$3600.00} double charge and paid those balances. I have a remaining balance of the interest accrued because this is destroying my perfect credit. 

They agreed to waive my late fees but this is not enough. There are {$5000.00} in interest and scam charges on my account. I refuse to believe it is this easy for someone to rob somebody and get away with it. 

I will continue fighting this every single day.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I looked at my credit report and have inquiries on my credit report that i did not approve, authorized, or apply for.

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 2020-03-26
Company: Experian Information Solutions Inc.
State: OR
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 husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, Experian, XXXX and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer

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 2021-02-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, XXXX, 2019 my bill did not go through WELLS FARGO HOME MORTGAG - account with 2 missed payments. I am kindly requesting WELLS FARGO HOME MORTGAG to remove these missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 explanation
Consumer complaint received 2023-11-13
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to dispute a billing error related to my account with SYNCB/Care Credit, Account XXXX : XXXX. This dispute is made under the provisions of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. I believe that a significant error has occurred in the handling of my account by SYNCB/Care Credit, as described below : Despite the account being officially closed, SYNCB/Care Credit continues to threaten to report late payments on this account. To make matters more confusing, I have not received any billing statements to confirm the status of the account. My concerns regarding these discrepancies were raised during verbal communication with representatives from SYNCB, where it was indicated that late payments will still be reported, even though I have not received any billing statements or invoices to clarify the account 's status.

I would like to request a thorough investigation into this matter, as well as the appropriate resolution as mandated by the FCBA. Furthermore, I kindly request SYNCB/Care Credit to provide the necessary documentary evidence and clarification to address these errors.

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 2022-10-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX I have XXXX XXXX on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. XXXX XXXX keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Atlanticus Services Corporation
State: HI
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:
I contacted a representative at Fortiva concerning waiving a late fee last month. They said they would process it. They processed it as though it was for a month where I did not incur a late fee so instead I still had to pay the late fee. It caused an unexpected financial hardship, so I opted to prioritize more pressing bills this following month. I contacted their " help '' line today and asked if I could speak with a supervisor so I could close my account without paying the fees they claim they waived, but they would not allow me to. They stated " I can help you with this issue, '' " I can submit a request for a late fee waiver, but it's subject to a different department 's approval '', " We already properly processed the other late fee, so you can not have a waiver, '' instead of transferring me to someone competent who could properly do as I requested. If a company does not actually follow through on what they promise their customers, naturally no one would want to retain a card with them, so that's why I am trying to close my account with them. It shouldn't be that hard for them to allow me to pay the full amount I owe plus interest and waive any extra fees. Please never sign up for a card with them. This plus their annual fee and monthly " account maintenance '' fees have made this the most unnecessary card to have in my wallet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX, XXXX, XXXX PULLED MY EXPERIAN WITHOUT PERMISSION. I HAVE CONSIDER FRAUDULENT.

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 2018-08-31
Company: Experian Information Solutions Inc.
State: VA
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:
Experian, XXXX XXXX and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.

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 2023-12-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the inclusion of Delinquent Child Support Payments, on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments do not arise from credit Transactions and should not be reported on credit reports. 

I request that you promptly review my credit report and remove the Child Support Account. I have enclosed supporting documents supporting the inaccuracy of these entries. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written conformation of the removal of the Child Support Account from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CURO Intermediate Holdings
State: CA
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:
In XX/XX/XXXX, I learned that I had been a victim of Fraud for over 20 years. I was born in XX/XX/XXXX, and there had been accounts in my name dated as far back as XX/XX/XXXX, when i was only 6 years old, far before i could legally apply for anything. I immediately filed a 90 day fraud alert and had a credit repair service further investigate. They were able to prove to all companys ' for which had fraudulent accounts, inquires and background information in my name, that i had not opened or consented to any of these accounts and consequently all accounts were removed/deleted from my report, besides these 4 inquiries that remain on my report with XXXX. I have had two different credit repair companies, again, try to prove that i did not consent to any of the below listed inquiries, sending in disputes of the information at least 5 consecutive times. I eventually began to receive letters from XXXX stating that these companies would not remove the inquiries as they were found to be " a factual record of file access ''. Again, I state that this is not true, i did not consent to the below inquiries and I request that they be removed immediately. 

( 1 ) XXXX XXXX, XXXX ; XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed my balance and/or past due amount are/is correct. I also Disputed My payment history/rating is incorrect in showing 21 % and me having 48 late payments reported by XXXX  with the dispute being completed on XXXX. Both were for my account with the MN child support agency. The conclusion of the dispute stated the information was updated. 

My Equifax payment history shop at 91 % and is stating I've missed one payment with the MN child support agency. I have documentation from the MN child support agency stating I am current on my payments and I am not in the areas on this account.

Company response to consumer: Closed with explanation