BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted the following information through Mohela secure email on XX/XX/XXXX2023 and XX/XX/XXXX2023 and spoke with customer service representative on XX/XX/XXXXXXXX  and they were not able to give any information regarding refund. Below are the two emails sent to Mohela : The purpose of this email is to obtain information regarding payments made after my 120th qualifying payment. I have a total of 160 qualifying payments dated ( XX/XX/XXXXXXXX  ). My XXXX XXXX consolidated on XX/XX/XXXXXXXX  ( documentation below ) and my loan was discharged on XX/XX/XXXXXXXX  ; however, I continued to make payments from XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  ( documentation below ). I made 14 additional payments in the amount of {$1100.00} from XX/XX/XXXXXXXX  until XX/XX/XXXX. According to your information posted on your website, and the student aid gov website these are considered overpayments ( 14 payments of {$1100.00} = {$16000.00} ) and should be refunded to me. Please review information below and check your information and my student aid gov loan history. I would greatly appreciate it if you could review the information and respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MN
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:
The following credit card accounts currently listed on my XXXX and Equifax credit report was opened by the following banks without my consent or authorization : 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 2023-08-23
Company: Experian Information Solutions Inc.
State: NC
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 lost my purse awhile ago and I am in the process of buying a home and I got a copy of my credit report and notice items that was open is due to identity theft! XXXX XXXX and XXXX XXXX was open due to identity theft.

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 2018-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
My 16 year-old son lost his Bank of America debit card and pin number which was his first ever card and banking experience, which was recovered by unknown people who illegally used it. Over the course of about 15 days from XX/XX/XXXX18 the thieves used the card to make several purchases and deposits to decieve the bank and to the result of a negative ( - {$2800.00} ) charge in the account of which I am the parent. B of A then took money I had in a different checking account to cover the negative balance. I need this money returned to pay my immediate bills which are now late. 
Bank of America has of this date refused to take responsibilty for recognizing this fraud, which is all the more alarming! I am willing to testify and prosecute should a suspect be identified. I have also filed a police report in XXXX county onXX/XX/XXXX18 but the case is very slow moving to say the least. B of America knew my son was inexperienced in banking. B of A also was familaiar with this particular scam that was perpetratrated on us. I was shocked they effectively gave this " debit '' card not only " credit '' but also let it go hugely negative only to zap the money to cover it from me just as I attempted to pay my rent causing cascading financial problems for me. They also blamed me and my son, were very dismissive in my efforts to investigate, sometimes downright rude, and could help by checking their ATM video tapes to identify suspects, but have immediately closed off further investigation even after I asked them to reopen the " supposed '' investigation.

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 2018-08-18
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
choice recovery inc reported on XX/XX/XXXX. In amount of {$650.00} XXXX XXXX company reported on XX/XX/XXXX in amount of {$88.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: LA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my credit card due to inactivity without notifying me. I have been a customer of Discover for 20 years, have never made a late payment, and never even approached my credit limit. 

I received no notifications that this was happening, either by mail or email. No attempts were made to call me. 

They refuse to reopen the card, which was closed without my knowledge only 3 months ago. They want me to reapply for a new card. 

I have been damaged by this as the excellent credit history of the card has been deleted from my credit report, my total available credit has been reduced, which will adversely effect my credit score, and now have less actual available credit if I need it. Further, they want me to re-apply which will damage my credit score by adding an inquiry, and placing new credit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
Transunion has placed incorrect inquiries on my credit report history. When I reached out to Transunion they would not comply to remove incorrect information. 

# 1 XXXX XXXX XXXX dated XX/XX/17 # 2 XXXX XXXX from XX/XX/17 # 3 XXXX XXXX XXXX XX/XX/17 Transunion is unwilling to correct false information that is negatively affecting my credit history. Please provide assistance. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following po box XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$830.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX around XXXX XXXX XXXX popped up on my computer shortly after i received phone call, lady by name of XXXX XXXX # XXXX call me told me she is from Lake Michigan Credit Union which is my bank. she informed me that my information is hacked and that a " dummy " account needed to be setup so my money is safe also she informed me that officer from social security administration will call you. soon after men by name XXXX XXXX phone number XXXX call me and told me the investigation is on going he advise me not shire any information with others sand me a document title social security administration and inform me that he is working with FBI and all the law enforcement to secure my information. on XX/XX/2022 XXXX call me she provided me with wire information and had me send {$72000.00} to that account. XX/XX/2022 she instructed me to take out {$6000.00} in cash and deposit it into a bitcoin machine.

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 2023-08-25
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received an ongoing credit report that suggests that I may owe LVNV FUNDING LLC. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that LVNV FUNDING LLC, XXXX, XXXX and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There was a new credit card alert on my XXXX XXXX account, as I looked into this further, it is a credit card from a company called XXXX. I then a few weeks later received mail at my home to which this was a statement for this card. When I called the company and stated that my last name was NOT what was showing on this account card, they proceeded to argue with me. Then they told me to report it to the fraud department, identity theft.

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 2018-08-16
Company: EQUIFAX, INC.
State: NY
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:
We are having a huge credit score problem. 

Two months ago, I hired a new nanny for my children. We added a credit card for her under our XXXX XXXX account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by XXXX XXXX. 

Two months later, my nanny 's credit score was completely ruined : It went from XXXX to XXXX in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name. 

I called XXXX XXXX to explain the issue. She is an extremely responsible person who had a XXXX credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )? 

XXXX XXXX again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report. 

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do. 

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time. 

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-08-25
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company will NOT provide a debt validation to me, and refuse to provide information proving I owe the debt even though I do not recognize it. 

Dates of communication : - Initial Debt Verification letter/request sent in XX/XX/XXXX, same day of my first call. They informed me to send this to their dispute email inbox. ( dispute@lmminc.com ) - Second call to follow up was XX/XX/XXXX, to follow up on the verification, where they mentioned they may have not received it because their debt dispute inbox was " non-functional '' and had broken shortly after I sent it. They no longer use this shared inbox. They input this request manually over the phone, to request the itemized bill from the original organization and apologized for the inconvenience. 

- Next call was the day after, XX/XX/XXXX, and I confirmed the itemized bill was requested manually and it had been sent out. 

- XX/XX/XXXX, spoke on the phone, they have no update to provide me. Requested to be put through to a manager, who was verbally aggressive and insisted I owed the debt over and over again, but wouldn't answer the question as to why they can't validate the debt. They insisted the " information would be sent eventually. '' - Final call prior to me writing this complaint was today, XX/XX/XXXX, still no itemized bill sent to them by the original organization, which they confirmed to me over the phone. They refuse to tell me what the next steps are, even though we're going on three months without a validation provided that I owed the debt. XXXX and XXXX have removed this for me, though XXXX is apparently " verifying I owe the debt '' somehow, even though the CA can not provide this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX no acct # becase none is on my consumer report if this accout was charge off since XXXX i never recive a XXXX showing any imfo on this 15 US 1681-s

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 2023-08-25
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX My phone was lost and a couple of transactions that was unauthorized on my CHIME account which i disputed occurred, One transaction amounting to {$130.00} by cash app and the other amounting to {$14.00} by XXXX. After I filed the dispute on XXXX XXXX I was accredited by CHIME for both amounts back into my account while the dispute was being investigated. On XX/XX/2023 my dispute was approved by CHIME but for some reason CHIME took the {$130.00} and {$14.00} back out of my account at XXXX unexpectedly with no information following it. I immediately called CHIME as soon as I noticed and was put on hold for long periods and eventually I was hung up on by one of the CHIME customer service representatives. I then called back and was told the money was being reversed to permanent money instead of credit and Ill be receiving my money back by the end of XXXX XXXX or the next day XXXX XXXX but my money never appeared back into my account. I called CHIME on XXXX XXXX to see what was going on and they switched it to XXXX receive a email within XXXX hours. First I was waiting for my money to come with XXXX hours and now Im waiting for a email to come with XXXX hours. Still no information on when Ill receive my money.

Company response to consumer: Closed with explanation