BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: MOHELA
State: MD
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:
While enrolled in the Public Service Loan Forgiveness program, I have made 180 payments on my direct student loans. For these 180 payments made while a Government employee, I submitted certification ( s ) from each qualifying government agency to the Mohela loan servicer. These certifications were uploaded directly to the Mohela website in XXXX. The Mohela website confirms that 180 qualifying payments have been made. This is 60 more qualifying payments than is required to obtain XXXX was told XXXX forgiveness of my {$41000.00} balance. I have contacted Mohela on two occasions to request my loan forgiveness status and also to inquire about my eligibility for a refund of my overpayments past the 120 payment threshold. I was told that, since I had made over 120 eligible qualifying payments, my student loan balance was going to be discharged and a refund of overpayments would be sent. This has still not occurred, even though it has been over 3 months since my last certification was submitted.

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 2023-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: CT
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 writing to dispute fraudulent activity on my consumer account. I am a victim of identity theft, I am a federally protected consumer and I did not provide consent to any of the reporting agencies listed above to list information on my report.

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 2023-04-07
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2023, an unauthorized transaction in the amount of {$3500.00} was withdrawn from my money market savings account over the phone at Navy Federal Credit Union ( NFCU ). NFCU did not enact the appropriate security protocols in order to authenticate my account. NFCU claims that all actions were taken to do so, yet they did not request my code word nor send the one time passcode to the contact number on file. As a result, I was a victim of fraud and possible identity theft. Since then, I have taken all necessary steps to protect myself from future bad actors. I closed the money market savings account and restricted all remaining accounts to deposit only. I restricted all transactions to in-branch only. I changed my security code word and asked that it be communicated for every single transaction. I implemented a credit freeze with the credit bureaus. Lastly, I filed a police report on XX/XX/2023. I have not received any correspondence from XXXX XXXX at all. I've requested a weekly email update on my account from one of the local tellers, yet I have only received a few emails since early XXXX. They have completely negated their responsibilities as a credit union albeit my continued business with them for over nine years. They won't answer any of my inquiries and continue to tell me that they are " back logged '' with complaints and offer no updates regarding my case. It's been two months now since the fraudulent activity on my account with ZERO concessions made.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This information does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2023-01-24
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have available funds on the card but when I go into a store to make a purchase it is DECLINED. I have contacted the phone number on the back of the card and it states that it has a XXXX balance. On XX/XX/2021 I had full benefits on the card and up to this date I have yet to be able to retrieve the funds or use the card without an issue of it being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
I want to submit a complaint in my personal credit report information that is questionable. I was never late on these accounts. It has been deferred because I'm still in school. Also, how can it be 90 days late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record in all accounts listed below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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 submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Chime Financial Inc
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I really give you dates but will tell you what I do rember.A freind told me about a banking service online that she uses and refwred me to the service. I statrted the process with no problems.Part of the login process ist use your email address & a password.I provide them both and had my direct deposit sent to Chim.This all started about amonth ago.I notified Social security of the change in banks in sufficent time so the direct deposits could start thismonth, > ( I am retired and on XXXX ) I go to log in and used the email address that I thought I used along with te ppassword I thought I used & had no luck in loggimg on. 
The funds are in an account I have no access to to pay my rent and other bills.The service is Chime Based in XXXX XXXX CA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
U.SBank has made me close XXXX accounts, and locked those XXXX accounts and blocked my online banking, even though I tried to comply and understand with what all the many FRAUD specialists had me do. I have had them close my accounts, and then be late sending me card replacements. They neglected to tell me, until XXXX, XXXX XXXX, that the reason my accounts were blocked was because I didnt close my previous accounts and open new ones. On XXXX I complied, and now I have to wait to use my accounts. I have to check in on XX/XX/ to make sure I will be able to use my accounts ( XXXX ) for food, bills, etc., ( this is the third time I have had to jump through the hoops because of a fraud on my account in XXXX XXXX  ). This time they replaced XXXX card but havent given me the PIN number, which is supposed to come in the mai, separately. My replacement card and pin have not been sent. I cant access my accounts online until they unlock my accounts ( again ), supposedly on Friday, XXXX XXXX times since XXXX I have been in the verge of defaulting on my mortgage, my utilities, my phone bill, my insurance bills, and now my homeowners tax, due soon. I can not, again, by food, gas, or take care of myself like this. I feel like they dont know what their policies are, having been stalemating my access to my money.They are in California XXXX I am in Georgia XXXX so the problems to resolve these issues are extended to my not being able to go into my branch, as that one is closed now, after their merger with XXXX XXXX XXXX I am fearful of losing my house, and everything else because I will owe creditors that will add late fees and can not pay them in a timely manner.

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 2023-04-06
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-21
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Agency continues to report this closed account.The account was paid and closed several years ago. This action is causing a tremendous damage to my personal credit with continuously reporting an account that was paid as agreed and closed years ago. It would assist me tremendously if you could make an adjustment and remove this negative payments and reporting entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I made a deposit of {$230000.00} into my Investors Bank account ( which is Citizens Bank today ) and I was told a temporary hold would placed on it. ( No Problem ) It's now XX/XX/2023 and this hold is still in place after several conversations at my local branch with the managerand customer service representatives. It seems very illegal and unethical to hold my money for this amount of time. What kind of institution operates like this? I feel like I've been robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX friend request. Accepted 2nd request on XX/XX/. Became personal friends after one month. She stated she worked as an XXXX XXXX in XXXX. Management stated she was needed in a war zone and will be transferred very soon. Told me she wanted to quite because her life was at risk and will be sending me a high valued package ( gold and medical equipment ) before her being transferred. Package was sent and held up by XXXX  Airport Authorities. Need to wire {$10000.00} to complete the delivery. Sent wire on XX/XX/. Courier sent another email stating the package was confiscated by the XXXX  Authorities and now want {$83000.00} or we will be reported to the FBI, XXXX  and the XXXX  Authorities for smuggling. Went to bank and they said, this is a scam and will not wire funds. Went home and check on some documents and agreed this is a scam.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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
Consumer complaint received 2024-01-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I paid out the account on XX/XX/24. 
XXXX gave a refund of {$31.00} on a few days later. 
I can not get my credit refunded of {$31.00}. 
Nor can I get a gift card for the XXXX, XXXX points that I had earned. 
Representatives kept hanging up the phone. 
Very nasty staff.

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 2023-10-18
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my computer was hacked and my personal information ( including my banking information ) was compromised. After i had woken up for tge day, I noticed my Chime checking account was charged {$990.00}. Someone had accessed my browser through my personal computer and bought a XXXX XXXX XXXX under my name and had it shipped to XXXX, California. I have lived in Kentucky my entire life. I was able to see this because the order was made on my account through the XXXX XXXX, which I got confirmation for the order via my email. Unfortunately, it was too late to cancel the order, as XXXX makes you unable to cancel an order after 1 hour has passed, at that time, I was asleep. I was told by the merchant they would intercept the package and they did not. I have filed a dispute on my behalf to Chime, which was denied the same day. Since then I have filed 9 rebuttals against the denial, and all of them have come back denied once again. I have given them several forms of evidence including personal information, screenshots of the order, and even a police report. It does not seem to matter what i try, they are not on my side. I am contacting the CFPB in hopes that I can have my money returned from this fraudulent case of events.

Company response to consumer: Closed with explanation