BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've contacted Mohela two times over the past couple of weeks. Hold times are easily 35+ minutes to get a real person on the line. I am a part of Sweet v. Cardona, with full loan forgiveness due to a predatory school ( XXXX University ). As my loans are Direct Consolidation loans, held by Mohela, I was informed by FSA to reach out to them for any information. The first time I called, I was told that my loans ( which should be in forbearance until they are discharged but were actually switched to repayment and accruing interest ) should automatically switch over to administrative forbearance due to the settlement. I then inquired about receiving a refund for payments made over the past ten years to Mohela, to which I was told the checks come from the Treasury and to contact XXXX ( I did contact XXXX who told me to contact Mohela .... ). That was all the info they could give me. They also had zero information on the rest of the discharge, as only half of my loans have been discharged as of now. Again, they state to contact XXXX. After a couple weeks, my loan still had not moved to forbearance and I had to call back, again waiting 35+ minutes during the specified times they state to call for lowest volume. The option to request a callback also does not work. After another hour on the phone with someone who repeatedly put me on hold, I was told my loan should move to forbearance after a few days- which it finally has ( at least until XXXX where I will likely have to call back and repeat this process ). My complaint is in regards to the extreme hold times, the fact that I was told I would get a call back from XXXX in regards to more information ( still never have ), and the fact that the representatives know absolutely nothing when it comes to my loans, who to contact for refunds, and who to contact for more information on when the rest of my loan could potentially be discharged ( it is still accruing interest ). I also requested payment history about three weeks ago via secure message and still have not received a response. This company has been dragging their feet for months, as many other servicers have already completed the discharge AND the refund process. Horrible customer service and simply point fingers at everyone else, never placing any blame on themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
2 Inquiries showing on the credit report from XXXX XXXX and Syncrony Bank that doesn't 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 explanation
Consumer complaint received 2023-03-22
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out last Sunday, XX/XX/XXXX, that my credit rating had been lowered and I learned from the XXXX credit bureau that the agency FIRST FEDERAL CREDIT CON was collecting a debt I had never heard of before. I have never been contacted by a collection agency. How can I pay a debt if it has never been reported to me yet it appears it is not mine? 
I, therefore, request that it be immediately removed from my credit report and that a validation letter and verification of the alleged debt be provided, please. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
i, XXXX XXXX have never applied for credit application or any inquiry with Capital One. Capital one is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report with XXXX. Twice on date of XX/XX/2022 and on XX/XX/2022. I do not have any accounts with Capital One this inquiry was unauthorized without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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. 

I have asked Experian, and XXXX for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that Experian and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX with absolutely no proof Just a bill with my name that looked like my XXXX XXXX XXXX son could have made on word. 
so my question is if I cant get propper validation from XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help 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 2022-03-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I noticed four fraudulent transactions on my Wells Fargo checking account totalling {$9500.00} in total : * {$1000.00} on XX/XX/2022 * {$2000.00} on XX/XX/2022 * {$2500.00} on XX/XX/2022 * {$4000.00} on XX/XX/2022 They appeared on my online statement as " WITHDRAWAL MADE IN A BRANCH/STORE ''. I immediately reported the transactions to Wells Fargo and froze my account. The bank started their own investigation. ( Claim # XXXX ) On XX/XX/2022, a Wells Fargo case specialist contacted me to let me know she'd be handling the investigation. She shared images of the withdrawal slips the thief had used to withdraw the cash. The signatures on the slips are not my signature. 

On XX/XX/2022, I filed a police report with the XXXX XXXX Police Department at the XXXX XXXX XXXX. ( complaint report # XXXX ) The same day, I noticed an additional fraudulent transaction on my account on XX/XX/2022 for {$160.00}, which I immediately reported to both Wells Fargo and the police. 

Because I have not lost any ID, credit card, debit card, checkbook, etc., I assumed the bank would return the money to my account. However, on XX/XX/2022 they responded by letter that they would not refund any of the money because I had not reported the initial fraudulent transaction ( from XX/XX/2022 ) within 30 days of receiving my statement. 

On XX/XX/2022, I contacted the police to see if their investigation had any updates. They said they had subpoenaed Wells Fargo for the security camera footage, but Wells Fargo had not responded to them yet. 

The same day ( XX/XX/2022 ), I called Wells Fargo to appeal their decision, since : * They had given no explanation of how the money was taken out of my account. 
* I reported the fraud 6 days after the most recent occurrence. 
The claims specialist called me the next day to tell me that the fraudulent transactions were made using a license and debit card as proof of ID. I haven't lost any of these, so presumably the thief was able to withdraw money simply by presenting a fake ID. She offered to escalate my appeal. A couple days later ( XX/XX/2022 ) I received an email denying my claim with the same reasoning as before : " As per your Deposit account agreement we can not reimburse you for unauthorized transactions if we are not notified within 30 days after we have made your account statement available to you ''

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 2021-01-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Over 40 days ago I submitted a dispute with this company and have not received a update of any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATIUON UNDER 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 explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2021-04-13
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I called CITI BEST BUY CREDIT CARD company asking to lower payment for 11 months because of Covid-19 pandemic, I told them that after these 11 months I will pay full balance on card ( XX/XX/XXXX was promise date of full payment. ) Today XX/XX/XXXX I called them, payed full card bringing balance to zero, but they told me that I was put on a plan to close card after, so my card was closed, without caring the damage that will cause in credit score.

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 2022-12-19
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high-risk nature. The documents Ive provided are legit. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : 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 2021-04-06
Company: PENNYMAC LOAN SERVICES, LLC.
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: Old information reappears or never goes away

Complaint:
I have had problems with this company in previous and your agency helped me out. Thank you. I have another issue wherein they are deliberately reporting negative late payments from XX/XX/XXXX when I placed them on notice of my XXXX status in XX/XX/XXXX and they refused to assist me as a XXXX XXXX XXXX and attempted to accelerate foreclosure so I would have no place to live upon returning ftom a very dangerous XXXX tour. It is now 3 years later and the late payments from XXXX-XX/XX/XXXX still show on my credit report wherein I qualified for XXXX at the time. I am in the process to try to get my finances in order and this account is the Only account showing Derogatory and my attorney has written letters to the credit bureaus and even XXXX and it appears my request are falling on deaf ears. Please help me remove VERY old late payment DATA from this company as it appears it is being done with ill intent yo prevent me ftom refinancing my home loan to another company with favorable rates and from obtaining favorable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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 account was removed and added even after providing all relevant information. 
IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations. 

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA. 

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: In progress
Consumer complaint received 2022-04-26
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: Their investigation did not fix an error on your report

Complaint:
Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all XXXX bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX And any other information that goes against the consumer 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 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my XXXX and XXXX XXXX XXXX I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. My information was also impacted by the XXXX data breach and XXXX 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 explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello I am reaching out because the listed accounts, -showing the dates and what bureau that it posted on is a part of identity theft. I attempted to resolve this with the bureause below but I have not been successful. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX Miscellaneous Finance XX/XX/2022 XXXX XXXX XXXX Miscellaneous Personal Services Other Than Medical XX/XX/2022 XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax

Company response to consumer: Closed with explanation