BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Prior to transferring to Mohela I was on PAYE. Following the transfer I noted Mohela switched me to 10 year installments with increased my monthly payment by about {$2500.00}. I immediately tried to enroll in the Save program through StudentAid.gov back in late XXXX. When my application wasnt processed by XXXX I contact Mohela which advised me to submit a verbal application with them ( which I did ). They then placed my loans on administrative forbearance. I called several times following and have submitted complaints through studentaid.gov stating I did not want to be in forbearance. I wanted to resume payments under the SAVE program. I was unable to accomplish this. Finally, my last message to Mohela resulted in them restarting my loans again under the 10 year rate with a due date of XX/XX/XXXX ( 3 days following this change ). Interestingly, my loans themselves are still listed in forbearance and Mohela has yet to contact me or send me any correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
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. 

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, 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 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 explanation
Consumer complaint received 2023-05-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On the XXXX of XXXX, I deposit a check for {$330.00} into my XXXX XXXX  checking account from another institution ( XXXX XXXX ) through the ATM, on the XXXX of XXXX I received the check as a returned item ( the check was returned for NSF ) the same day XXXX XXXX  took the funds of {$330.00} from my checking account to cover the returned item deposit. On the XXXX of XXXX XXXX XXXX  withdrawal again another {$330.00} from my checking account for the same returned check of the XXXX of XXXX. On the XXXX of XXXX, I contact XXXX XXXX  and inform them of both withdrawals and it should have been only one withdrawal. The customer svc rep files a paper credit adjustment and inform me that in two business days, I will see the credit in my account. On the XXXX of XXXX, I contacted XXXX XXXX  again questioning why the credit is still not showing they inform me by the end of the business day I would see it in my account. On the XXXX of XXXX, no credit was yet in the account and I contact XXXX XXXX  again, they are stating the department that review these transactions had no answers, and they will forward this to the manager dept. They also inform me a manager will contact me as of today XX/XX/XXXX no one has contacted me back and I call again and no answer and no credit on my account. I have been waiting for this money to pay my XXXX rent. Please help me! I m not getting no answers from the bank and no money back. Your help will be appreciate 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 2019-06-26
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
in XX/XX/XXXX, I called the customer service XXXX # at PNC Bank to request the balance in my account with PNC Bank the customer service representitive told me my balance was XXXX it was in an account called the reserve account. the teller asked me if I wanted to tranfer some to my Spend account also known as the checking acct. I asked her at that date in XXXX, XXXX to tranfer the total amount to my checking or their term for term is spend account. she asked me if I wanted to leave any of that amount in the spend I asked her to leave {$36.00} in to keep my account open. she reassured me of the above {$7200.00} was transferred and that I was free to use any or all of that total. I called XXXX XXXX XXXX ON of after the XXXX of XXXX and paid them {$7200.00}. in XX/XX/2019 PNC Bank sent me a notice of a negative balance due them of {$230.00}. PNC release to me the above amount which I paid XXXX XXXX XXXX {$7200.00}. I asked the teller " if I pay that amount was she sure I would have a balance of {$36.00} her answer was yes. Note that the teller automatically transferred these fund and audiblly confirmed the above amount was being placed in my spend account. then waited until XXXX to note an error by their customer service representative. also note that They authorized this tranaction by moving the funds to my Checking account. in turn I called XXXX XXXX XXXX and gave them my checking account # and electronic in the amount above

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07
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: Problem with personal statement of dispute

Complaint:
During XX/XX/XXXXwas out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 
Submitted a dispute with XXXX in the past, XX/XX/XXXX with no resolution from agency

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2023 RE : Requested wave from Late payment 30days from XXXX XXXX account. 
If you explain the 30 -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically deployed {$34.00} for five months. I immediately contacted the bank and stopped the Debit Card. But there was a passing without knowing that XXXX Payment was paid. I continued to receive a message that I couldn't pay for it in XXXX XXXX, but I thought it was a wrong message. Later, I found out that Debit Card had a XXXX XXXXXXXX payment on a card that was stopped, but I knew that it was already reported to the credit -related company. I admit that I made my mistake, but I am disappointed that the credit score has go down over 100 points. 
I want to make a good credit and I will ask you to exclude the credit company.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As my previous complaint # XXXX stated XXXX XXXX XXXX  is still unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. There is no where under the Fair Credit Reporting act requiring a financial institution to furnish negative information to a consumer report. This has been Causing me great harm and XXXX. I now have reason to believe that XXXX XXXX XXXX is using extortionate means on a extensions of credit which is a violation pursuant to 18 USC 892. My Privacy rights as a consumer are protected under the Gramm-Leech Billey Act. I Ask that XXXX XXXX XXXX immediately stop the reporting of a charge off to all 3 consumer report agencies this includes : XXXX, XXXX, and TRANSUNION. You will up date my consumer report reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Your failure to comply with my instructions will result in civil liability for fraud Pursuant to 15 U.S. Code 1640

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 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2023 RE : Requested wave from Late payment 30days from Capital one account. 
If you explain the 30 -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically deployed {$34.00} for five months. I immediately contacted the bank and stopped the Debit Card. But there was a passing without knowing that Capital Payment was paid. I continued to receive a message that I couldn't pay for it in Capital One, but I thought it was a wrong message. Later, I found out that Debit Card had a capital one payment on a card that was stopped, but I knew that it was already reported to the credit -related company. I admit that I made my mistake, but I am disappointed that the credit score has go down over 100 points. 
I want to make a good credit and I will ask you to exclude the credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/2018, XX/XX/2018 ), as well as the credit bureaus ( XX/XX/2018, XX/XX/2018 ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase XXXXXXXX XXXX XXXX, the company I made the purchase through XXXX is believed to have shutdown their business. I began a dispute due to not receiving my product from the company and since the bank ( ally ) shows it as an authorized transaction they will not follow through with the chargeback. I would go through the company but they are no longer responding to emails and going to my bank was my only other option.

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 2021-10-18
Company: MoneyLion 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 recently reached out to you MoneyLion, to ask that they remove themselves from reporting to the credit bureaus on my behalf, since Ive paid them in full last year, and the account being closed. This is negatively reflected on my credit reports, and in doing so, I reached out to ask that they please remove themselves as a good faith effort, but I was told that they are required to report this information for an unknown length of time. At this point, they are not cooperating with removing themselves, and choose to continue to report this information monthly. This is preventing me from being able to acquire credit, and purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CarMax, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a XXXX XXXX XXXX from Car Max and returned in within their XXXX time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to Car Max in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with XXXX. I uploaded the Car Return documents to the XXXX portal. I received an update from XXXX on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the Carmax Finance XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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/18, XXXX reported to all of my creditors that they are reducing my FICO score to XXXX, prompting American Express to reduce my credit line from {$10000.00} to {$2300.00}. AMEX required that I pay {$3500.00} in one lump sum to keep my credit line. I noticed that my bank, XXXX XXXX XXXX. had changed my auto-pay due dates on several other creditors, making me late on several payments. I noticed that the XXXX due date was affected as well and called to assure them that they would receive a payment. I also inquired as to why they are reducing my credit line {$7700.00}. They maintain that it is because of XXXX 's reduction of my FICO, even though I have been an outstanding customer for many years. When I asked why they wo n't increase it because I have been a responsible customer, they said that the FICO score matters more than my payment history. I filed a compaint against XXXX, but it was not successful. 

I do n't have the time to continue my dispute with XXXX, but when I asked to cancel my XXXX account, they told me to cut up my card and that I would be liable for the balance. I do n't understand why, if I 've always been a good customer, am I being considered to be a derelict, ready to defraud them. On the contrary, any creditor who does n't honor the facts is doing business fraudulently. XXXX 's business practices are not based on sound policy, but are based on heresay and fraudulent information. 

The reps XXXX and XXXX are ignorant customer service reps as well. Thankfully, other creditors are n't following this kind of unreasonable business policy. XXXX needs to apologize to their good customers, in the least. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
this complaint is being made against Experian violating the Fair Credit Reporting Act Statute of Limitations on both of my XXXX XXXX XXXX accounts. Experian is indicating that both of my paid XXXX XXXX accounts are being deleted XX/XX/XXXX knowing the Date of 1st Delinquency occurred for both accounts was on XX/XX/XXXX. Experian is manipulating the date of 1st delinquency was XX/XX/XXXX by reporting the removal date to be XX/XX/XXXX which is false information. Specifically account ending in XXXX the date of 1st delinquency was XX/XX/XXXX. account ending in XXXX the date of 1st delinquency was XX/XX/XXXX. to my understanding according to the FCRA Law as a Requirement to report correctly 605 15 U.S.C 1681c ( c ) and 1681c ( a ) ( 4 ), the 7 year period begins on the date of the commencement of the delinquency which immediately preceded the charge to profit and loss and the FCRA Compliance/Date of First Delinquency is used by the consumer reporting agencies to determine when delinquency data is to be deleted, pursuant to the Fair Credit Reporting Act. 

I have disputed this specific error with XXXX XXXX XXXX and they sent me a correspondence indicating the date of 1st delinquency dates as proof. I have attached this proof to my experian disputes regarding this on going issue and experian refuses to update these accounts correctly, instead they provide updated results that remain the same. Experian is Willfully and Negligently refusing to modify these accounts 7 year removal date correctly after giving them many chances to cure these accounts. by attaching the legal documents from XXXX XXXX XXXX indicating the date of 1st delinquency dates, that should have been enough proof for experian to modify these accounts the right way, but even with proof they refuse to comply to FCRA law. 

I have attached the many disputes I sent out and many results they have provided as well as legal documents from the creditor as proof of their improper procedures to report what the data furnisher has given them. To my understanding it is the consumer reporting agencies obligation to either delete or modify incorrect information appropriately and they refuse to do so. instead they continue to report on going inaccurate information at which I have full rights to dispute until corrected or deleted.

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