BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: GREAT LAKES
State: CA
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:
Starting sometime end of XXXX/beginning of XXXX this year, I have had multiple unproductive communications with Great Lakes Loan Servicer when I was trying to get an Income-based repayment. First, they incorrectly told me that I used the wrong application so I resubmitted, then I was told to go back to the old way I did it, and this time they said it was wrong again ( we kept going back and forth and after about 5 different applications they said it was correct ). Then came the next wave of problems : this time the estimates I am given when I submitted my application are different from what I got after it was processed and no one has been able to give a reasonable explanation. In any one day I call and speak to 3 different agents and I can get 3 different answers. I have spoken to regular agents and supervisors. The next problem came when I tried to consolidate loans I have with my last school that had just entered repayment ( these are also federal loans ). The process has taken more than 2 months and I am getting different answers. In the email I received it says that the loans were not processed because I did not fill out the IBR form ( which of course they already have ), and on the phone I was told that they did not get paid because they were in repayment ( but again, these loans were already in repayment ). It seems to me these people do not have any idea what they are doing and sadly they are managing a large sum of money for a lot former students. Something needs to be done ( may be an audit, or shut them down altogether ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Spring Oaks Capital, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Spring oaks capital llc have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with Spring oaks capital llc and have no knowledge of an account with them and dont owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Alliant Capital Management LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Loan was an illegal tribal loan that has been sold multiple times to non-tribal collection agencies that do not have any legal authority to collect. They refuse to provide anything. They are threatening to take my car and house despite neither being collateral for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I went to make a purchase on my debit card and it was decline, after several attempt to purchase and being decline ; I contacted the bank by phone. The representative stated that everything was fine and it appeared that a new card was being issued, so i went to the bank to withdraw and find that my account was being closed and that I can only put money in, but not withdraw. I was given a number to call, but was unable to make contact due to the weekend. I followed up Monday morning, both in person and by phone too no avail. After the bouncing around by the bank, I was finanally told that my account was being closed for a deposit made and that I want receive my money out of my account until XX/XX/XXXX by cashier check. I was not given an option to close out my account and due to my bankruptcy this cause my case to be dismissed for non payment.

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
1 ) My credit application was approved on XXXX XX/XX/XXXX 2 ) Account totally paid off XX/XX/XXXX 3 ) I, Myself, closed the account ( not that the XXXX Credit card company closed it on XX/XX/XXXX!! 
4 ) the following was initially shown in the 3 credit bureaus ( XXXX, experience, Transunion ) reports : ( a ) all 3 credit bureaus the account have been paid in full and closed by the holder ( myself ) on XX/XX/XXXX ( b ) That the XXXX credit card company charged-off my account till XX/XX/XXXX!!!! 
5 ) after my first dispute and the investigation done buy the 3 credit bureaus, the following shoed on my report : ( a ) XXXX : adjusted the error and took off the charge-off totally because the account never have been charged of. 
( b ) XXXX  and Transunion : the reduce the Charge-off ( CO ) form all the way to XX/XX/XXXX and make it only for XXXX and XXXX of XXXX.!!!! which I disputed again and in progress. 
- However, how come that an account can ever be charged-off ( CO ) after it has been paid in full and closed by myself, the account holder!!?? which is what is appearing till now on the experience and Transunion reports. 
- Myself ( card holder ) and XXXX ( credit card company ) DO NOT disagree on what happened, but ironically enough that the remaining 2 credit Bureaus ( XXXX  and Transunion ) disagree with both myself and the credit card company and making up this " CHARGE-OFF '' ( CO )!!! and they are determined to XXXX up my credit, putting in mind that this is the only negative item on my report and used to have 17 credit card with " exceptional '' payment history ; I closed 11 and still the other 6 that I am keeping still have " exceptional ' payment history!!! So I just picked one of the credit account m which was opened only for 2 1/2 months, to XXXX up my entire credit history and my score. Can anybody gives me his brain here pls!!!!????? 
it is like I am guilty regardless if I presented the prove of my innocent as long as they decided what did occur and nothing to do with what actually took place and even both parties ( myself and teh XXXX CC agree on that did occur!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2021-03-14
Company: BARCLAYS BANK DELAWARE
State: CO
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 account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with Barclays Bank is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXXXXXX XXXX Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXXXXXX 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 2022-02-15
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of trying to acquire a mortgage loan. I contacted PNC Bank to consider getting my loan through them with me having a bank account with PNC as a long term customer. I spoke to a Mortgage rep name XXXX XXXX on XX/XX/2022. I told him what my interests were and he asked me to go onto the PNC website and submit documents. I did immediately and reached a snag in his enrolment online system where it would not allow me to move any further. I tried reaching out to XXXX for 2 days via text and calls. He responded XXXX days later. 

He finally sent me a link and asked me to log back in and try again. I did and after speaking with XXXX only twice I did not get a good working relationship feeling from him that says he would work hard to get my loan done. I called XXXX XXXX on XX/XX/XXXX and told him that I did not want to continue working with him and that he should cease and dismiss all actions related to working with my account because I have decided to work with someone else. 

XXXX XXXX was came off disturbed asking why did I want to discontinue our working relationship and I explained that I decided to work with someone else who offers a little more optimism and enthusiasm with my loan application. XXXX XXXX went onto start explaining how he didn't see where it would matter because he did not see where anyone could get the loan approved. 

To the contrary, there is a mortgage company who can get the loan done and all they were waiting on was a letter from my university to close. I hung up on XXXX XXXX and in return he submitted a slew of derogatory comments to my credit reporting agency stating, " my loans were being denied by PNC '' for a multitude of reasons. 

The unethical, unprofessional, and fraudulent actions by XXXX XXXX where all based on misleading reasons for reporting from the beginning. If there were to be any report filed, Mr. XXXX XXXX should have filed that, " the loan application was canceled by the consumer. '' However, in his unprofessional abuse of power, Mr. XXXX XXXX took it upon himself to conclude, out of anger, that he would directly lie to prevent me from doing as I stated and go work with a different lender. Mr. XXXX XXXX violated my consumer right to not work with him and abused his power to destroy my chances of getting a loan with someone else. 
I have a closing date coming up in approximately 5 days and XXXX XXXX, because I chose not to work with him has caused my loan to beheld up and possibly lose my loan. I do plan to follow this complaint up with an attorney and HUD as well. I do not suggest anyone do business with PNC Bank considering this is the type of abuse of power and unprofessionalism you are subjected to have to encounter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: WA
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : 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 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 2023-07-14
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This is in regard to my application for loan forgiveness under PSLF. In XX/XX/XXXX, I sent my complete application with information regarding four previous employers. At that time I noted and provided information that one of my former employers, a XXXX year-old nonprofit in good standing, had dissolved. 

My application is noted as being received XX/XX/XXXX. I waited for months for information with the guidance that I wouldn't hear for XXXX business days. It was significantly longer than that, but in XX/XX/XXXX, I received a letter that my loans would be transferring to Mohela and that happened in XX/XX/XXXX. At that time, I noticed that only three of the four employers in my application were showing up. I called as the one now defunct employer was not in the documentation. I was told to wait as it was still being processed. However, in XX/XX/XXXX, when my PSLF payments were updated again, I realized that no one was looking into the application for the defunct employer as it had just been dropped from my application altogether -- no one ever reached out for further verification or to let me know there was a problem -- it just disappeared as if I never had submitted it. 

I had to call Mohela several times to get any concrete info/advice, but finally a representative told me to resubmit the application for this former employer along with any supporting documentation and my old W-2 forms. I did so and then saw a week later that my application was immediately denied. When I called up, the representative looked into it and said that it had been denied because whomever was processing it hadn't actually looked through all of my attachments properly. I then had to resubmit the exact same documentation on XX/XX/XXXX. 

Since that time I've called several times for them to tell me that there are delays and I have to wait as it takes a long time to verify that my employer was a registered 501c3 ( although I've sumbitted IRS documentation and 990s which clearly demonstrate this ). While it hasn't been 90 business days since XX/XX/XXXX, it has been almost a year since I originally submitted my information for this employer. Mohela blames the lack of resolution on FSA, which in turns says it's Mohela 's issue, and there is no way to get any 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 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank of America closed my Credit Card earlier this year and said they can not reopen that card- stating they will be happy for me to reapply for another credit card from them but CAN NOT reopen this closed credit card. ( This issue has been reported in the past thru this website without any resolution from BofA as requested ). ( complaint ID XXXX ). 
I decided to reopen another credit card as BofA recommended me in the past on XX/XX/21, which they denied right away stating in the letter " An Account with us and/or our affiliates has been revoked. '' I think Bank of America is tricking me by telling me to apply for another card when they close my last card. If BofA does not want me to have another credit card from them then they should say so rather than giving me a false recommendation at the time they close my old credit card.

This kind of business is unacceptable from a big corporate like BofA- recommending to apply for another credit card, then denied once applied. This kind of business should not be tolerated because this affects my credit score ( hard inquiry ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX XXXX is writing you to complaint about my identity theft. 
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ), 16 C.F.R. XXXX, XXXX, AND EXPERIAN USES FOREIGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhard V. graven ( Mo ) 281 SW 715,719. I presume that no proof of the alleged debt, in fact therefore exist. Per the fair credit reporting Act, Section 611 ( a ) ( 5 ), you have 30days to investigate disputes. If you can not verify the information within 30-day time period, you must delete all the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Violations of 15 USC 6508 15 USC 6802 15 USC 6805 15 USC 1681B The reporting of late payments. Violation of the Privacy act of 1974 The Education and Privacy act of 1974 UNAUTHORIZED INQUIRES ON XXXX, EXPERIAN AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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