BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, XXXX, and Experian on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have reached the presence and access of the wrong person.

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 2019-11-18
Company: Bread Financial Holdings, Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
XX/XX/2019, XXXX XXXX reported a 30-day late Account XXXX XX/XX/2019- Comenity/XXXX  XXXX XXXX reported a 30-day late Account XXXX My Bank XXXX incorrectly returned payments and has sent a letter acknowledging there error. Spoke to both creditors and approved the bank mistake and will not update the error. I have sent this documentation to all three bureaus XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My cards were charged and the company XXXX and XXXX stopped taking my payments. They were charging inactive bank account during the fraudulent activity. One card was paid on time and still being paid on time and still being marked late, collection. Still being charged {$34.00} a month without my consent. Can not cancel the accounts or continuous charges.

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 2023-10-28
Company: Atlanticus Services Corporation
State: AZ
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:
Didn't mean to apply for report. Hit the button on accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: TX
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:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed 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 2022-10-25
Company: MOHELA
State: TX
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:
XX/XX/2022 On XX/XX/2022, I received five letters from Mohela stating that they have counted the number of qualifying payments made during each period of qualifying employment. The letter credited me for only 49 payments. 

I contacted Mohela and spoke with XXXX, Mohela representative, and advised that this information was incorrect. I explained that I was applying for the limited PSLF waiver and under the limited PSLF waiver, my loans should be forgiven. I explained that I received a denial letter and that I should not have been denied under the limited PSLF waiver. 

XXXX put me on hold and spoke with her supervisor. After being on hold for quite some time, XXXX advised that Mohela had not received all of the history from the previous servicing provider. After questioning her about this and advising that I received notification from Mohela that the transfer was finalized, XXXX then advised that she didn't mean that the history of my loans were not transferred. She explained that Mohela was not yet finished giving credit for all of my previous employers. She advised that Mohela had not finished processing my limited PSLF waiver. XXXX concluded by saying that I would receive another letter that gives me credit for the applicable employment that qualifies under the waiver. 

I logged onto my account today ( XX/XX/XXXX ) to discover that Mohela updated my application status to " Processed. '' They also deleted a document that they determined to be a duplicate of what was already sent. Mohela and its representatives lied to me about the status of my application. I was told that they were still processing my application and crediting my qualifying payments under my previous employers. The status as reflected on my account and the letter that Mohela provided also conflicts with what I was told. 

Mohela was blatantly dishonest in their communication on the status of my application. Their dishonesty directly impacts my ability to be afforded forgiveness under the limited PSLF waiver. Their dishonesty not only impacts me, but any other student loan borrower who is trusting that the information that they receive from Mohela to be accurate. 

I have tried contacting Mohela to discuss my findings. However, Mohela has turned off the ability to reach any of the representatives. 

I would like my file reviewed again under the limited PSLF waiver and be given credit for my qualifying payments. 

I look forward to hearing from someone. 

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 2020-12-15
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We are filing a complaint with ocwen for failing to rectify and correct wrongful overcharges from prior lender ( Saxon ) and for ocwen wrongful cost in modification. We seen were CFPB brought suit against ocwen XXXX, XXXX for failing to investigate errors in escrow and excessive fees charged. Immediately when our loan transferred to ocwen XXXX, XXXX we filed a complaint with CFPB XXXX complaint XXXX XXXX are just a few each one with the same issues. Ocwen in XXXX when we modified added the escrow overcharge to deferred principal knowingly that the XXXX modification was incorrect by XXXX overcharge of escrow. We have been charged 80 months accrued interest now since the XXXX modification. 
The XXXX ocwen modification ( letter dated XXXX XXXX that you have in your file also shows wrongful charges. They only credited XXXX trial payment of XXXX instead of 3 which they failed to credit XXXX, they delayed modification from XXXX to XXXX classifying it as a step two which resulted in excessive legal fees, They placed positive escrow of XXXX into escrow application fund, we paid XXXX from payments to escrow, modification advanced XXXX and XXXX escrow was classified on payment history as a loan application. 
How could our escrow turn into negative XXXX XX/XX/XXXX? 
Ocwen failed to investigate and rectify all wrongful over charges, and failed to credit properly knowing first handed we were abused by both lenders being seniors on a fix income

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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 disputed a charge of {$66.00} Reference XXXX for a travel insurance I never intended to purchase while booking flight on XXXX XXXX XXXX I called XXXX XXXX, they referred me to insurance company I called them immediately and they asked me to dispute with the bank. This is all happened within few minutes of me realizing the charge was made and 10 days before the first flight. American Express failed to perform their fiduciary responsibility and declined my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am intrested in disputing all incorrect information on my credit report with Experian.

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 2023-09-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. An identifiable event has occurred.XXXX XXXX XXXXXXXX https : //www.irs.gov forms-pubs I have three credit accounts On XXXX XXXX  i was told that a 1099-C would be send by mail but now they refuse to send it because they said they did not charge off the account as settled in XXXX. But i have conflicting information that shows that they are reporting it to the credit bureau as a charge off but not the IRS. This constitutes fraud. American express must remove the fraudulent charge off and fabricate late fees to a charge off. For example the reduce the actual amount on the charge to from {$1200.00} to {$950.00} then at a {$50.00} payment to make it shows up as late with lates fees every month on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One has closed my 2 credit card accounts due to a payment being returned. This payment was returned because only because I made a payment of {$200.00} weeks prior which didn't reflected in my available balance yet it was withdrawn from my bank account and shown as posted, this was for almost an entire month these funds were withheld and they refused to give me a reason even though they let me make payments in the meantime, one of which was returned. 

I called on XX/XX/XXXX at XXXX CST and spoke with a fraud specialist manager who told me that if I made a payment of {$110.00} within 10 days and then called 5 business days after the payment that they would reopen my accounts. I did just that, I made a payment of {$120.00} within the 10 days and called today XX/XX/XXXX to have the accounts reopened and they told me I didn't meet their criteria to reopen the accounts. I mentioned that I spoke with a women and that she took notes and in addition there's a recorded call, but yet the gentlemen I spoke with today said he saw that I called on XX/XX/XXXX but that there was no notes and said that I didn't speak with a manager. I said I did and that if they listen to the recording they can hear exactly what I was told. He indicated that they don't have access to the recordings, which is a lie because after a few minutes of back and forth he said the recordings are kept with quality control. Fine, but then he refused further steps of finding said recording and said I could try calling back. 

This is outrageous. The fraud specialist even said it's possible someone was posing as a manger to get me off the call. The recording exist. This is the 3rd time I've called Capital One with issues, mostly being about not updating my available credit after I make payments. When the payments don't reflect it looks to me like I didn't make it and so I make another payment not knowing it's coming out of my bank account twice and causing the payment to be returned due to insufficient funds. This is the fault of Capital One 's system and due to there refusal to assist me further I feel this is in retaliation or a way to discriminate me based on my age, gender and XXXX  and I will be making this a very public nuisance if Capital One doesn't resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
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:
XXXX Credit Bureau account Pursuant to18 USC owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b. 2.Company has also No permission to report anything using my info pursuant to 15 USC 1681 4. Please delete.

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 2021-08-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON ACCOUNTS THAT DONT BELONG TO ME, A CHAPTER XXXX FILING I DID NOT AUTHORIZE AND ACCOUNTS THAT SAY INCLUDED IN CHAPTER .A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
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 reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
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:
I'm in the process of buying a house the lender keeps pulling my credit with my brother and sons information on it. When I call the bureaus, all 3 major ones to get the issue resolved I get a confirmation number and a reassurance that the issue will be resolved. That was a year ago and the issues still stands. Which is causing me to be homeless and holding up the closing date for my newly built home. I'm so frustrated cause they keep telling me it takes up to 30 days to correct. I don't have that time anymore and it's not my fault it wasn't done correctly a year ago.

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 2021-12-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After communicating with XXXX XXXX from XXXX XXXX  Fraud & Risk Specialist team 45 days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or XXXX, Equifax and XXXX failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to express my dissatisfaction with the information you provided in response to my request for debt validation. As per my previous communication, I asked for proper verification of the alleged debt that you claim I owe. However, the documents you sent, including statements and signatures, do not adequately prove that this debt is valid and belongs to me.

I must remind you that under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) ( b ), you are required to provide verification of the debt in question. This includes providing a copy of the contract or agreement between the original creditor and myself, duly signed by all parties involved. The information you supplied does not meet this requirement and, as a result, fails to validate the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX I am tried restore my credit score with Trans Union. Company not help 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 2022-06-13
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
My wife XXXX XXXX and I had separate traditional IRA/CD accounts with State Farm Bank XXXX US Bank recently took over State Farm Bank 's XXXX accounts effective XX/XX/2020. With State Farm Bank, there were no annual fees. But we both just received notice from US Bank that we each owed a {$30.00} annual fee for our account because US Bank charges that annual fee for all accounts containing less than {$25000.00}. XXXX called US Bank twice today and twice was told that the bank could not offer a waiver of the {$30.00} annual fee because of its policy on accounts with less than {$25000.00}. The bank representative said the annual fee was waived last year, during the first year of the account transfer, but now US Bank is sending out notices of the fee. XXXX and I are not aware that we ever received any prior notice of an annual fee. We have XXXX accounts with a number of other banks, and we have never before been charged an annual fee even for similarly small accounts.

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