BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: Possible Financial Inc
State: TX
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:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: MOHELA
State: ME
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:
Hello, I have XXXX in student loans held at Mohela. I have worked more than 10 years at a PSLF qualifying non-profit making payments so I qualify for PSLF. On XXXXXX/XX/2022 I submitted a final employment verification that would put me over the 120 required payment mark. It is still processing today XXXX. 

My non-profit employer has announced that my job along with >1000 others will be transferred to a for-profit company at the end of XXXX. 

On the phone today with Mohela I was told on my first call that it wouldn't be a problem. My employer asked me to call again and verify and get it in writing so I called back. With another representative I was told the opposite that there is fine print stating I need to be working for the non-profit AT THE TIME of loan discharge even if I surpassed the 10 year requirement. I was also informed that even though my application has been pending for 2 full months it is well below 90 business days and once approved there would be ANOTHER 90 business days to adjust my qualifying payment counts and then ANOTHER 90 business days to get the loans discharged. 3 Rounds of 90 business days to process is more than a year 's worth of business days so it could take over 11 years working for a non-profit to get loans discharged which was not the intent of the program.

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 2023-03-01
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2022, I requested to have my student loan payments during the pandemic refunded to me as they were voluntary payments. This amount is around {$5000.00}. I was informed via messenger from Mohela that my request was submitted and it would take 30 days to be processed. A month later in XXXX, I requested to have my student loans consolidated. I originally had 8 student loans and wanted them consolidated to show less loans on my credit report. My consolidation request was granted, but I never received my refund. After speaking with Mohela, I was informed that the U.S Department of Education took it upon themselves to cancel my request for my refund, and to approve the consolidation loan without speaking to me for clarification. The system is showing the consolidation loan was requested prior to the refund but that is 100 % inaccurate. I believe there is potential corruption in this decision. Someone could have pocketed my refund instead of giving it back to me. 

Im asking for money back that are my earnings and I was informed I could receive it back as a refund which would help me financially. On my end, I submitted the request correctly. I attempted to call Mohela and could never get on the phone with them. They were impossible to reach during this time. They still are! I spent three hours today attempting to speak with the resolution department. The only way I could reach them was via messenger on their website. This is how I submitted the request and they verified they submitted it for me. The resolution department is impossible to get in contact with. I called XXXX, and have no automated option to reach the resolution department. I go through hoops to speak with someone, and then they transfer me to the resolution department which never answers. I sit on hold for hours until I can no longer do it. I only have so much time in a Monday to Friday time frame business hours where I am available to speak to someone about this for help. It is exhausting. They are never available to help me. I am hitting a wall with this situation and it is wrong. I should not be penalized due to the inability of the US Department of Education and Mohela not being able to process requests orderly and timely. I spoke to the Department of Education and they confirmed Mohela is responsible for canceling my refund request and allowing the consolidation loan to process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX AND CAPITAL ONE stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thoughtXXXX XXXX AND  CAPITAL ONE case ID XXXX. XXXX AND CAPITAL ONE is blatantly punishing a victim of identity theft. XXXX AND  CAPITAL ONE has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX  AND CAPITAL ONE are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX  AND CAPITAL ONE has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX AND CAPITAL ONE have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX AND  CAPITAL ONE cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX AND  CAPITAL ONE now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX AND CAPITAL ONE continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened. Immediately remove the information. Willful FCRA violations are intentional or reckless breaches of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX  XXXX XXXX  XXXX {$950.00} XXXX/XXXX XXXX {$150.00} US DEPT OF ED/XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} 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 explanation
Consumer complaint received 2023-11-08
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried to reach VENMO for months now, today XX/XX/XXXX chatted online as they refuse to call you for help. If you dont have a computer or latest tech they refuse to provide assistance as they need service for any individual and issues are not always noted on their chat as with my situation. They are constantly running scams to keep customers funds by telling them to go online when u have no options to transfer funds or get access to funds. They have been holding XXXX of my money for over 3 months and refuse to assist but send useless auto messages pertaining to something different. I want access to my money immediately, when I try to transfer the option doesnt come up, or I will get a message wrong code as its not. They refuse to assist. The ph no they give u is useless and nothing but a reject recording to take u right back to chat or email. COMPLETE SCAM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NC
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 in regards to Account # XXXX XXXX XXXX XXXX, XXXX XXXX  has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.

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 2021-06-10
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: Was not notified of investigation status or results

Complaint:
It has been nearly 60 days. I have sent Experian a request for explanation as to why my score has dropped 37 points. They are reporting " Too Many Consumer Finance Company Accounts '' this is something new that Experian is placed on my bureau to intentionally lower my score. I have not opened any new account and I do not have any high risk loans in my name. I don't have any Pay Day loans or anything of the sort, I have nearly paid off ALL my credit cards and my auto loans are free and clear. All my loans are either with a Credit Union or a reputable FDIC national bank and I have no department store cards therefore there is nothing that should be on my credit listed in this manner bringing down my score. I have asked Experian to identify said " Too Many Consumer Finance Company Accounts '' and they have failed to do so. Experian has failed to provide me with the required information for me to dispute. I believe Experian is intentionally lowering my score because of my ethnicity. For Experian to continue to report inaccurate information its a defamation of my character and a violation of the FCRA and FACTA.

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 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit 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:
Bank of American access my credit file without my consent and took adverse action against me based on my non public information twice. first they lowered my limit and then closed my account for the same reasons both times

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 2023-06-17
Company: Chime Financial Inc
State: FL
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:
Hello, I noticed two duplicate charges on my account on XX/XX/2023, with Chime Bank and reported them to Chime on XX/XX/2023. I never authorized or recognized these charges. After almost 2 months, I received a email from Chime stating " no billing error occurred '' leaving me to pay for these fraudulent charges. Incidentally before these charges went thru, Chime sent me a txt msg saying " someone tried to use my card but they blocked it 5X before they let these fraudulent charges posted to my account even tho I never authorized them. I had nothing to do with those charges yet they determined that I am liable. How is this? This was not the first time I noticed unauthorized duplicate charges post to my Chime account. I am adamant about getting my money back and need your help please. I believe Chimes customer base has been compromised and they are aware of it, but do nothing. Please don't let Chime steal my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have sent Certified Mail and have receipts as well as Called Experian a number of times. They are trained to send you in circles when you have a problem. All I need is to have this incorrect information removed from my credit report. Why is our credit in the hands of a company that can not give you any answers?

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 2023-11-08
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email from TSI stating that I owed {$2500.00} to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX, AZ from XXXX, XXXX. I lived at this complex for months after this date, and moved to a different apartment within the complex. I was never informed that there was an issue with rent and {$2500.00} is not even how much the rent was. I was never informed before anything was sent to collections either. I have an email from XX/XX/XXXX, stating I was removed from the rental agreement and was no longer responsible for any amount owed to XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX when I received an email from TSI and asked for proof of this debt. I never received any proof that this debt was owed. This debt was also during a time when XXXX XXXX were switching portals and many other tenants experienced issues. I have disputed this debt with TSI and they are just saying they are not getting a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Rent Recovery Solutions
State: FL
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 Rent Recovery Solutions account XXXX has violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to Privacy.

15 U.S.C 1681b section ( A ) ( 2 ) Nothing can be furnished on my report without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX- XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: MOHELA
State: NY
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 originally submitted all necessary PLSF documents to my previous loan servicer, which were confirmed and then transferred to MOHELA. Prior to the XX/XX/XXXX deadline. After the deadline had passed, MOHELA notified me that they did not have any documentation and I must resubmit all application information. This was completed on or around XX/XX/XXXX, with confirmation of fax receipt received. However, MOHELA then rejected and canceled these documents, noting them as duplicate, despite informing me that the documents were never received. I did not receive this information until I personally checked in XX/XX/XXXX. I called to resolve this issue and MOHELA insisted I use the online portal to resubmit all documents for the third time. This was done. However, on XX/XX/XXXX, my application was again canceled and determined to be a duplicate. I called to have this issue resolved and was informed that my account was actually being worked on, but MOHELA was unable to provide any evidence of this. MOHELA then stated that my application was being worked on since XX/XX/XXXX, but then were unable to explain why I was told that all of my documents were missing. When I requested escalation, I was placed on hold, then the call was abruptly ended.

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 2021-06-11
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they keep calling say i owe these debt when i know nothing about i just want them to stop calling me and my credit score fix XXXX {$620.00} XXXX {$390.00} XXXX {$770.00} XXXX {$840.00} XXXX {$950.00} XXXX {$840.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: American Elite Recovery, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was called by American Elite, a XXXX XXXX, he said they have attempted top serve me papers for the district Atty. Non of this took place. Said they will be tracking my phone to send a uniformed officer to my location. I said I was going to record the call and he hung up. 

This is the second time I felt with this company same tactics.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-02
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: Investigation took more than 30 days

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 XXXXXXXX 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 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