BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: LAKEVIEW LOAN SERVICING, LLC
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:
Hello, In XX/XX/2022, we were placed on a COVID forbearance plan that expired on XX/XX/2022. In that time, I applied for homeowners assistance fund that was available through the Florida Department Of Economic Opportunity. My application was approved on XX/XX/2022 and they stated they would distribute funds directly to my service provider which is XXXX XXXX to pay the amount due/past due amount on my Mortgage. Unfortunately, there wasn't a timeframe provided on when they would send the funds. It's been over a month. I've been in contact with XXXX to advise them of this, and they stated my account was protected even though my forbearance ended on XX/XX/XXXX. All they said i could do was stay in contact with them once I advised I was waiting on payment assistance and they are aware that the time varies on when the funds are sent. I called last Thursday and spoke with XXXX on the XXXX as i scheduled a payment for XX/XX/XXXX, to inquire if i should make my regular monthly payment now that my Forbearance ended even though i was still waiting on assistance due to me not wanting a late payment on my credit or my house to go into Foreclosure. I was assured it would not, and was advised to not make any payments until the amount due/past due was paid on my Mortgage by the Florida Department Of Economic Opportunity . I was assured this wouldn't negatively impact me, and XXXX even stated they spoke with their supervisor who even cancelled my payment that was scheduled for XX/XX/2022. Now it is XX/XX/2022, and XXXX XXXX and I both had our credit scores hit and they were dropped XXXX points. I am extremely upset, and i attempted to contact XXXX, XXXX today, and every time i contact the main customer service number, i get told due to high call volume, i need to call back at a later time. Well, i tried multiple times throughout the day at different numbers and can not reach anyone. I finally spoke with my lender directly Lakeview Loan Servicing, who transferred me internally to someone in XXXX, who then transferred me to another person. This whole situation is a nightmare, I just want our credit report fixed, and I want our mortgage protected until the funds are paid on the amount thats due/past due that was promised through the Florida Department Of Economic Opportunity .

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 2022-07-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I was notified that a decision was made about an application for a XXXX XXXX with American Express. I attempted to contact them to explain that I never requested this, but the hold time was too long. 

On XX/XX/XXXX, I received an email stating, " As requested, we've added XXXX to the Additional Card account for XXXX XXXX ( Card ending in XXXX ). '' I later received an email stating, " Your Additional Card Member request has been approved. '' I contacted American Express on XX/XX/XXXX and explained that all of this was fraudulent. I told them that I don't know XXXX XXXX and requested to speak with their fraud department. This was received in my email- ( Our records indicate that either you or an authorized party had contact with American Express regarding the account status on XX/XX/2022 and spoke with XXXX. ) On XX/XX/XXXX, I received the card for this person and immediately contacted American Express to discuss this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid 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 applied for a Best Buy credit card by following an offer on Best Buy 's website. It promised 5 % back on Best Buy purchases, as well as 10 % back on your fist day 's purchase upon receiving your credit line. Also there is no annual fee. 

offer is here https : //www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c? id=pcmcat102500050032 I have a XXXX credit rating, and want to buy some appliances from Best Buy, so this sounded great. I have an open line of credit, home equity at my local bank, have paid off my mortgage after many years of on-time payments, and have a credit card I have had and use often for many years. 

I filled out the application the Best Buy site brought me to, citibank, and waited for my approval. 

Then I got a webpage that said my application could not be approved automatically and I needed to call a number. 

I called and wound up on the phone with a high pressure sales person who said I did not qualify for the credit card I applied for, but they would offer me a different one, which has a {$59.00} annual fee, and a maximum of {$1000.00} limit. This is less than the first appliance I plan to buy on top of everything else wrong with that. 

I asked why I did not qualify, he indicated it was because I had " no revolving credit usage ''. I explained that was false, I have and use my credit card, currently have a sizeable current balance, and have used it for far more than that in the last 12 months and for years. 

I finally dragged out of him that their reason was I had never kept balances and been soaked for 18-26 % interest. That is why they would not approve me. The fact that I was not drowning in debt, and I don't waste money on usurious interest fees is why they won't give me the credit line. I charge things for the cash back and extra buyer protection it gives. I only charge things when I can pay the balance off that month as I will shortly do with my current balance. 

I feel this was an unfair and predatory lending practice which I fear will now irreparably harm my credit as I was denied credit! Denied credit for being as responsible with credit as can be. Denied the credit line that Best Buy advertises on their website, which appears to be a trap for people who carry credit card debt, and an encouragement for them to go further in debt. 

They will happily give you 5 % back on your Best Buy purchases if you will pay them 18-26 % interest on the remaining 95 % of what you spend there.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX  Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX  Account # 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
Consumer complaint received 2022-11-24
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: Account information incorrect

Complaint:
There are accounts on my consumer report that are reporting with inaccurate information. These accounts are reported as late payment and potentially negative ( violation against 15 USC 1666b ). When in fact, TRANSUNION did not conduct a full and proper investigation to conclude that these accounts were accurate ( violation against 15 USC 1692g ). I never consented to this inaccurate information to be furnished and it is infringing upon my right to privacy when they did not give me a clear and conspicuous option to opt out of sharing my non-public information ( violation against 15 USC 6802 & Privacy Act of 1974 ). Going against these law can be fined in a civil matter if TRANSUNION does not correct these accounts INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXBalance : {$840.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX Balance : {$5500.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.

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 2022-10-08
Company: Rozlin Financial Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from XXXX about a charge from XXXX XXXX never signed up for a membership with XXXX and thought my personal information may have been compromised. I asked for validation of this debt, they received it on XX/XX/XXXX, its dated for XXXX XXXX and I received this on XX/XX/XXXX. After further inspection provided by XXXX, they have payment with a credit card and then a XXXX. There are no credit card numbers or XXXX numbers provided. No contract agreement provided with my signature.

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 2022-11-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to contact Mohela for months to ask a question about my PSLF. They never pick up the phone. I have waited on hold for numerous hours on several different dates and nobody picks up. For example, the last time I called, it said it was a 38 minute wait. I waited for 2 hours and they never picked up. This has happened each time I call. You can't get through to them. I sent them a message through my online account on XX/XX/22. On XX/XX/22 ( 3 weeks later ) I got a canned response essentially stating sorry for the delay. Call us at the same number you have been calling and that we don't pick up. This is unacceptable. In addition, I have reached out via XXXXXXXX XXXX  and still no response to that either. It is UNACCEPTABLE that they do not answer phones. They do not respond to a direct question sent through my account messages which is one way that we are supposed to reach out to them. MOHELA is completely non-responsive. I also know this is happening to many others.

I should have 120 qualifying payments but they have not updated their system. I do not know if i need to submit any other paperwork or employment certification to them ... ..and they will not answer my question because they don't answer their phone and don't respond to written requests or questions through the account either. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 ordered a copy of my report in XXXX  on XX/XX/22 and I found out that XXXX and TransUnion still indicate my dispute of information in my credit report. As of todays date, they have not responded to my dispute. According to the Fair Credit Reporting Act, XXXX and TransUnion must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX Balance : {$420000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are 1 unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX XXXX  XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was informed when i call you guys that this dispute i sent previously was rejected. so i am resending my letter and please review and read the letter i sent and i have attached the FTC that you have requested

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 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One claims that in using their virtual card on the internet, a one-time only payment can be used by the merchant, thus making card payments on the internet completely safe for the customer since no one could ever use that number again to debit the card. On XX/XX/XXXX I made a payment for a year-long trial subscription to XXXX XXXX XXXX XXXX a travel club which finds great airline fees. I used the Capital One virtual card since I did not want the merchant to charge me again. However, on XX/XX/XXXX a second charge was charged to my card for {$69.00} by XXXX XXXX XXXX, using the same " one-time virtual card '' as the previous year. I called Capital One immediately on the same morning and was told by XXXX XXXX? ), a supervisor, that it was their mistake -- the virtual one-time payment card should never be able to be used again -- and he had " fixed it '' so that it would not happen again. He refused, however, to refund the money, saying I would have to first dispute it with the merchant. Then if I failed there I would have to fill out several Capital One forms and send it to them. All of this had to happen in about the next two weeks. It is neither the merchant 's nor my fault and it is outrageous that it should be my problem and I should have to dispute with the merchant ( who did in fact deliver what he promised immediately after the payment ). To make matters worse, I have to be in XXXX in a week for a lengthy period -- and completely unable to deal with this. 
I have no documentation since everything on my end was done via the internet. However XXXX assured me he had documented everything in our call this morning. He had all the information, including even the virtual number I had used in the original purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
During the course of my divorce, the proceeds from the sale of the house and other property went into a Wells Fargo escrow account in XXXX XXXX, Colorado, belonging to my husband 's attorney, XXXX XXXX. The divorce was final on XX/XX/2022 and on XX/XX/XXXX, XXXX XXXX believed he received an email and phone call from me asking that the funds be sent to me in XXXX XXXX. I was not in XXXX XXXX ; I have XXXX jobs in XXXX that are particularly busy in XXXX. However, XXXX XXXX went to Wells Fargo at XXXX XXXX, XXXX, CO and asked a banker, XXXX XXXX XXXX XXXX to wire the funds to me in XXXX XXXX. Which she did. I believe this is misconduct on XXXX fronts : First, XXXX XXXX  reportedly did not ask the protocol questions, XXXX ) Are you convinced this is a safe transfer ; XXXX ) Have you wired money to this person before? XXXX ) Are you aware the transfer has to be checked with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) as well as the Wells Fargo wire department? The correct answers would be XXXX ) No, XXXX ) No, and XXXX ) Fine. Second, what did the wire department do? If Wells Fargo had done due diligence, there is no way the money would have been transferred. I have had no assistance from XXXX XXXX or the bank to recover this money which was my life savings. After XXXX weeks, it is still gone.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: MO
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:
Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.

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