BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: MOHELA
State: NJ
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 just received a letter showing my unsubsidized portion of the consolidated loan has 61 qualifying payments, which reflects the months of employment I certified. The statement only shows 55 qualifying payments for my subsidized portion though. MOHELA is required to service my consolidation loan as one singular loan, and that loan should have 61 qualifying payments. I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. 
I had loans in XXXX as well as loans in an in school deferment. I also consolidated my loans, as Federal Student Aid announced that if the loans were consolidated and employment was certified during the waiver ( prior to XX/XX/2022 ) I would be awarded the highest qualifying payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2022-12-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossesed after a Hit and Run accident XX/XX/2021. The car was sold for XXXX dollars. Not even a portion of what the car was actually worth, due to the fact the damage strictly in front of the car and the engine had less than XXXX XXXX miles on it.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has come to my attention that a late payment has been inaccurately recorded on an account that has been not only closed but also settled. This blatant error is not only detrimental to my credit score but also a severe violation of the Fair Credit Reporting Act ( FCRA ). This is to express my extreme frustration and anger concerning the inaccurate reporting on my credit file maintained by your bureau. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter and the prompt removal of the erroneously reported late payment. It is inexcusable that your bureau continues to tarnish my credit history with inaccurate information, especially on an account that has been closed and settled. 
The persistence of such inaccuracies damages my financial standing and undermines the integrity of the credit reporting system. I insist that your bureau takes immediate action to correct this oversight and prevent further harm to my credit profile.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello... I have a hard inquiry on my credit file with CapitalOne on XX/XX/XXXX... I only have one card with them started XXXX XXXX ... I would like to have this hard inquiry removed..from my file ... Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I took out a loan on my Chase credit card that had a low interest rate and fixed monthly payments. I was subsequently penalized for continuing to use my credit card. I wasn't able to chose where my payment went. Chase puts it towards the lower interest loan until it's paid off leaving my newer purchases on my card with the higher ( over 20 % ) interest rate. This is possibly in the fine print somewhere but definitely was not expected from what I thought was a reputable company like Chase. 
The supervisor I spoke to definitely had a script and read it. When I asked more questions he told me that he already explained it and hung up. They say they record the conversations so it should be there. Needless to say I will be paying off the Chase credit card and cancelling it and using my XXXX card from now on.

Company response to consumer: In progress
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-10
Company: Chime Financial Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I deposited {$500.00} in cash at XXXX. I had to use a Chime Bank Card in order to pay bills online because I lost my chase debit card and was waiting to receive it. 
After depositing the money, after attempting to use it I found out Chime froze my account for unexplained reasons. I contacted them, I have about 8 hrs of call time to them. They asked me to submit my ID and a letter from my bank. I did all of this and they still have not unlocked my account, or even returned my emails. I've been trying for OVER a week to get my money back with no results. I have spoke to at least 8 supervisors, my complaints have allegedly been escalated with NO response from anyone. There is no specific reason why the account is frozen. If the account was frozen, then they should have never accepted the deposit. I submitted all required documents, they said allow 24-48 hours. That was over a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Account status incorrect

Complaint:
I voluntarily closed my XXXX XXXX  XXXX Card account and I need it marked as CLOSED BY CONSUMER on the normal XX/XX/30 reporting date but if not immediately thereafter as it would be a willful FCRA violation to wait until XX/XX/XXXX or XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} Original creditor : XXXX Balance : {$390.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: ALASKA USA FEDERAL CREDIT UNION
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was sent a check for what I thought was a business deal. I made transactions with funds from this check, having funds available at the beginning of XXXX. On XX/XX/XXXX, there was a stop payment placed on the check, causing any transactions to not go through, and causing my account to go negative, which I have not been able to catch up on. The check was from Alaska Credit Union, written from the account of XXXX XXXX  for {$15000.00}. I have attempted to obtain funds from this check, to no avail. The credit union would give me no information as to why a stop payment was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TX
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: GA
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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didint quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to encore the correction and deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX American Veteran with protective status with service connected hearing loss off over XXXX XXXX. I filled out an online application and received a CC from Synchrony bank ; When I received my statement it was full of late fees or fines that i did not understand would be assessed. I did not read the fine print shame on me, but to correct my error i am fined again I guess they run this scam I am particularly vulnerable do to my hearing loss. I attempted to contact synchrony but was informed it was a XXXX dollar fee to speak with Customer Service if a company can not afford to pay for adequate service is not a company I fill the need to do business. I immediatly canceled the card. I guess they are continuing to charge my card without my authorization. but to pay off my card and dispute any charges is XXXX dollars. I would like to pay off this balance and never do business with this obviously predatory lending agency again. I am finacial secure and can take this as a Leason learned Maybe its me but paying someone to use my own money seems like extortion. I have attempted several times to contact synchrony credit services I am charged {$10.00} dollars to speak with a customer care reprehensive and because i have trouble understanding they charge me XXXX dollars to my CC and hang-up. I guess this is my fault for being so naive to believe that a company is not required to make reasonable compensation to adjust to my XXXX. I have chosen not to do business with these people and used an automated system to close the account. The issue is that the synchrony has not only refused to honor their reward system but also is requiring me to pay XXXX dollars to just pay my bill that is {$510.00} plus late fee and other charges I can not dispute. currently I am at {$60.00} in late fines, that i am being charged interest on. I guess I am old and stupid and do not understand a business this odd business model, but synchrony can run their anyway they chose I would just like the opportunity to be free of any business dealings and encourage others to stop accepting this because some lobbyist group pasted legislation to make this legal. If someone mugged me of XXXX dollars I could call the police but a company can just charge me any amount and I have to except it without anyway to dispute. I would like to settle with this organization, but they only seem to have virtual agents that just are worthless for someone with my severity of hearing loss. and why should I be FINED for errors that Synchrony has made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: K STREET FINANCE, 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: Public record information inaccurate

Complaint:
Mullen Finance still has my account as a repossession after I have written to then and disputed this multiple times. 

I was completely caught up on my car payments when my car was towed for parking tickets. This happened right in the middle of covid while I was in a desperate situation as it was financially. While I was trying to come up with the money to get my car out of impound without working at that time, Mullen Finance decided to take my car out of impound. They were obviously allowed to do this legally because they were the owners of my car until my car was paid off. After the car was back in their possession, the only option given was to fully pay off the car along with all of the parking costs, totally around XXXX XXXXXXXX. 

I tried every avenue possible to get this but it was not possible given it was during covid. 

This has had a horrible effect on my credit or being able to finance a new car or anything else. 

I dont think this is valid as a repo for the fact that I was completely caught up on my car payments and especially because it was during covid.

During my time financing with Mullen, I had some months that were late but I always made them my first priority to pay even during Covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2022 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. The following information needs to be omitted, please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following name as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Omit the following inaccurate addresses as my address can be verified by my supporting identification and I have no relation to any of the below mentioned addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.

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 2022-12-29
Company: EQUIFAX, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : 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 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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a mail dispute to XXXX and Transunion about fraudulently filed bankruptcies ( XXXX XXXX and XXXX XXXX ) on both reports. I requested a fraud block and submitted all required documentation. However, XXXX and Transunion recklessly and without due course, refused my fraud blocks and validated the information as accurate. Both CRA 'S failed to conduct a reasonable investigation into the fraudulent bankruptcies.

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