BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: MOHELA
State: CO
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:
I applied for a SAVE IDR Plan on XX/XX/XXXX with XXXX. I was then directed to XXXX student loan servicing where my payments were supposed to reflect the $ XXXX. I added a PSLF certification on XX/XX/XXXX and then all my loans were moved from XXXX to MOHELA. It took them a few weeks to implement this change and then I logged on to see $ XXXX reflected until I received information I have a payment due on XX/XX/XXXX of {$500.00}. When I access their website my next payment date is not present, but when I log onto XXXX it says I am due on XX/XX/XXXX. I have not received a letter finalizing anything for an amount due this month? When I go into my loan details in MOHELA it shows XXXX different loans showing a " current due '' totaling {$500.00}. This is simply outrageous. Like how should I pay that every month?? I put in another IDR request to MOHELA and they still have not adjusted their error. I put in another direct loan app on their website today XX/XX/XXXX. They have defaulted XXXX of my loans that I can not pay. I am not paying MOHELA a single XXXX till my payments are resolved properly. I have all the proof on my XXXX and have uploaded the original document of my approved SAVE plan online. There is no reason anything should be changing with a PSLF cert. Ridiculous nor should I be waiting for centuries on a resolution that should have never happened when they switched to MOHELA. LOAN SHOULD REMAIN THE SAME ON SAVE PLAN. Please check my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: FL
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:
The National Consumer Assistance Plan which is a settlement reach between my resident State of Florida Attorney General Office and the 3 Major Credit Bureaus including Equifax states that Debt collectors must provide information about the original creditor and account type when reporting this information to the Credit Reporting Agency or the Credit Reporting Agency can not report or publish the debt on the consumers report.

The Alleged Debt Collection Account Being Challenged Is As Follows ; ** Alleged Debt Collector Name : XXXX XXXX XXXX  ** Alleged Account Number : XXXX Second : The National Consumer Assistance Plan also states Debt Collectors can not report debt that did not arise from a contract or agreement to pay. I've requested the Debt Collector listed on this account provide me a signed contract or agreement that I have with them and it's been over 30 days and I have not received a response from them. 

Third : Re : XXXX guidelines for Metro 2 reporting states that credit reporting by Credit Reporting Agencies should be done based on accuracy, consumer access, correction, cyber security and privacy. 

( See Attached Reporting of Account From Equifax ) There is much information that is missing from the way the alleged debt is being report ; therefore, how can it be deemed as accurate, complete or correct? 

Equifax as a Credit Reporting Agency ( CRA ) as stated by XXXX they are governed to follow compliance, law and data security regulations. 

This Account Challenge request is to confirm current reporting of the account ( XXXX ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

Also, the Fair Credit Reporting Act 15. U.S.C. XXXX  1681g states I have the right to demand that you disclose the following to me ; ( 1 ) All information in the consumer 's file at the time of the request, ( including all documents you have recorded or retained in my file at the time of this request ) ( 2 ) The sources of the information ; ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report If you can not provide me with requested information for the challenged account then based on FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) Treatment of Inaccurate, Incomplete or Unverifiable Information, you must promptly delete that item of information from my credit file. 

Also, please provide Physical Verification As Proof of This Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute certain items on my credit report that, upon review, lack sufficient information to validate the associated debts. The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The following accounts are of concern, as the provided details are inadequate for proper validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XXXX, and XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bank of America ( BOA ) allowed and account to opened out of XXXX XXXX using my DOB and SS # with my phone number. The account # ends in XXXX with an outstanding balance of {$3000.00}. BOA # XXXX reference # XXXX I, XXXX XXXX called Bank of America Friday XX/XX/ to let them know that I am not responsible for these fraudulent charges. This account ending in XXXX uses an address out of XXXX XXXX according to BOA. I do not reside in XXXX XXXX in fact live in XXXX. 

On XX/XX/, I reported this account as fraud. I've also contacted all 3 major bureaus.

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 2023-01-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened an IKEA credit card in my name and charged, in XXXX, in excess of {$7600.00}. I never applied for an IKEA credit card, but did receive a card a few days prior to receiving the statement from IKEA for the fraudulent charges. 

I live in XXXX  and Ive never even been to the state of XXXX and on the date the charges were made I was in XXXX, XXXX  purchasing a home. 

I contacted IKEA and they assured me they would take care of the matter and have the card canceled and notify all three credit reporting agencies. As of this date that has not occurred. Then I received a letter from Comenity Bank, the bank issuing the card on behalf of IKEA, requesting that I lift the credit freeze so that they could continue with my application- WHAT? - they already issued the card which allowed someone to make fraudulent charges to me in the total amount of {$7600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: MOHELA
State: PA
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:
I had applied to consolidate my loans and selected the XXXX plan, but Standard payment was lower than XXXX, so when my consolidation was process and posted, it showed the standard repayment plan amount in the repayment schedule/disclosure file of {$150.00} I believe. It also showed that on my Mohela account after processing. A couple of weeks later and it was changed to SAVE, where my payment is higher. I did submit a payment plan change to Standard online on the Mohela website, but nothing has been done and calls keep getting disconnected while on hold. Also, I was put on an admin forbearance and interest was being charged this whole time ( which I recently made a payment for ) I would like for the payment plan to be switched back to Standard as it originally was and should be as well as some type of bill credit for being charged interest when I wasn't supposed to be during that admin forbearance. 

Documentation is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I notice some unauthorized inquires on my report from my old XXXX XXXX XXXXXXXX XXXX which was paid in full and closed for over 3 years now.

Company response to consumer: In progress
Consumer complaint received 2023-03-01
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 



I've contacted LEXIS NEXIS twice regarding an insurance account that's listed within my file with no policyholder information present. 

I had a totally different car and policy which is reflected in another section of the report. 

You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: VA
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 to the Fair Credit Reporting Act everything has to be XXXX  XXXX  accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate XXXX-year payment history shows XXXX and XXXX shows no history XXXX XXXX  day past due and XX/XX/XXXX shows XXXX days past due for Experian. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has XXXX  violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I would like to draw your attention to XX/XX/2022 - I sent my complaint letter to COINBASE, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, COINBASE never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
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:
I received a copy of my consumer report from ChexSystems stating that there is a inquiry from XXXX on the behalf of XXXX XXXX on XX/XX/2020. On top its says viewed by others. I've never gave written authorization/permission for this furnish on my consumer report. This is a violation of my privacy, to furnish something on my report without my written authorization, As a consumer I have the right to privacy and ChexSystems violated that privacy by furnishing this inquiry without my authorization. XX/XX/2020 - inquirer XXXX on behalf of 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 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have ( 1 ) 30 day late with Bank of America. The month that is was late. I called and Requested something to be done to help me out. I got transferred to a supervisor and the supervisor ensured me that it was okay, The will honor a 1 time forgiveness and it will be removed from my credit. Since that day have I haved to get this removed and I still can not for the life of me. They say ALL calls are recorded, Yet they won't pull up that phone call and honor what they promised. Please hold them accountable for this call and for not removing this from my credit as it has prevented me multiple times from getting things approved credit wise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Revolution Financial Inc.
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
1 ) Funds debited to my account without my authorization, and against my specific request ( revoked authorization in XXXX, XXXX ) 2 ) Filed formal complaint with CFPB on XX/XX/XXXX 3 ) Liberty Loans response to complaint is : " that it does not belong to them ''. Reference CFPB complaint number XXXX. 

XXXX ) attached documents here in indisputedly shows that Liberty Loans is the party in question and is the responsible entity. 

XXXX ) Liberty Loans is a predatory lender and work for deceptive practices, even as indicated here in denying responsibility or knowledge of any loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2022-12-26
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal has permanently limited my account. 

No one will tell me why or what violation led to this. 


" " We're permanently limiting your account. 
You can no longer use PayPal as we've decided to permanently limit your account after a review. '' ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received my XX/XX/XXXX statement and they decreased my credit limit by {$1000.00}. I called and spoke to credit XXXX she said you have HIGH BALANCE and it is reason they decrease my credit limit. 

They did similar action on XX/XX/XXXX and XX/XX/XXXX, my initial credit limit was {$12000.00} in XXXX when opened credit card account. But they going to decrease, decrease again and again cause my credit score and Utilization Ratio effect this is discriminatory credit actions. Because no other credit card company did before even I opened new credit cards in last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion did not have my consent to furnish some of the information reported on my 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX called and had TransUnion remove security freeze permanently. I spoke to XXXX representatives that informed me that the security question to authenticate me was unavailable. 

Representative informed me that she could not help me and mail in documents. 

Informed representative that I had a PIN number and representative informed me that PIN are no longer used. 

I never received any documents informing me that PIN are not used anymore. 

I asked for supervisor. 

I was transferred to supervisor and freeze was lifted permanently. 

Today the security was placed back on my credit report without my knowledge. 

I spoke to XXXX representatives and XXXX in the XXXX department and none of them could lift security freeze. 

All of the representatives stated that their system could not generate security questions. 

The representatives also informed that I had the security freeze lifted and added to many times and that is why the security questions are not generated. 

I informed the representative that I am within my rights to add and lift the security freeze on my file as many time as I wish. 

I asked to be transferred to the supervisor and supervisor informed me that freeze could not be lift because no security question were available to have me authenticated. 

I also informed supervisor that I their online tech support submitted ticket last week to fix issue online to freeze & unfreeze file and nothing was done. 

As of today, my credit report is frozen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account # 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 response to consumer: Closed with explanation