BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am entering into repayment and was told that MOHELA was obligated to provide 21 days notice before my payment due date, which is apparently going to be on XX/XX/XXXX. I received a notice of auto-debit from MOHELA today XXXX XX/XX/XXXX ) and a notice of a message regarding repayment from MOHELA on XX/XX/XXXX. 

These notices are not 21 days or more in advance of my repayment starting. I have been unable to reach them my phone due to unreasonable hold times. I would like my servicer to follow the law and provide the 21-day notice required for myself and all borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 


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
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-03-29
Company: Experian Information Solutions 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-07-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit dropped 63 points with Equifax after I opened a new credit card. I want an explanation. A specific explanation. Not generalities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I use to have an account with Wells Fargo Bank and the made many charges on my debit and credit card and never solve the issue, I ended closing my account and a few months later I started receiving letters from the same institution saying that my account was overdraft, I went to the bank and the person who helped me out said that the manager open another account under my name, that was with out my authorization. 
I also had a credit card on those times and they sent several bills to me, I was scared so I paid those bills to the bank but now I read about all this issues, I would like to file a complaint. 
Thanks for your attention. 
Looking forward for your response. 
And thanks for your help. 
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
Consumer complaint received 2021-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I banked with Wells Fargo in XXXX Texas .... I was offered an advance loan with my first stimulus payment and I am XXXX years old and was advised I could pay it back ... ... I never asked for this advance loan ... ... .and then never received anything about this advanced loan from Wells Fargo Then I got my second stimulus check for {$1200.00} and it was in my bank account and I went to withdraw it .now on XX/XX/XXXX, XXXX And my account is the negative for {$1800.00} ... I never use this account ... 
Then when I call them they said i should of never received the stimulus check for {$1200.00} ... ... 

I do not understand..why Wells Fargo is doing this ...

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 2023-02-22
Company: HYUNDAI CAPITAL AMERICA
State: DE
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:
to whom it concerns, I am trying to have had inquired removed from my credit report due to XXXX XXXX XXXX XXXXXXXX Delaware after several time of telling them I have a preapproval from my bank in your financial office. they didn't listen to us ( me and my wife ) asked us to sign a paper we noticed after that we had 10 hard inquires on our credit after we spoke to them after that day and try to have them removed, the finance department gentlemen. Again, says in his words that we can't afford a vehicle from them I again said I would want my hard inquires removed FROM OUR CREDIT YOU LEAD US WRONG I JUST WANT this off or credit on or about these dates and company 's Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-03-10
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX several notarized letters were sent out on my behalf to XXXX, Equifax, XXXX  for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : 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 2023-10-01
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been continuously checking for updates to my account on mohela. I was previously on REPAYE before the pandemic pause so expected to be automatically switched to SAVE. My family size is XXXX and hasnt changed since before the pause. In e the app, my plan does read as SAVE, but my payment due is considerably higher than it was, nearly twice the estimated payment calculated on student aid.gov and when I do the calculation by hand. The customer service rep I talked to was rude and not at all helpful, in fact she suggested it is my fault that I didnt call sooner. I had received the new estimate only days prior! She said the only thing they could do was put me on administrative forebearance and submit a whole new application. She refused my multiple requests to speak with a supervisor. MOHELA has no idea what they are doing and millions of borrowers are going to be negatively affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-28
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with ALLY FINANCIAl plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : 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 2020-02-13
Company: EQUIFAX, 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:
I have an unverified account from XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is an official grievance against WELLS FARGO BANK ] situated in XXXX XXXX XXXX XXXX Fl XXXX XXXX, CA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. 

For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, WELLS FARGO BANK has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 

Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

Below is the fraudulent account that I need to be removed : WFFNATLBNK ACC # XXXX**** I am attaching proof of this company acceptance to delete for reference

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 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, 2022, a customer service representative from Bank of America stole my account information from two different credit cards I have with other banks and without my permission transferred the balances form both of those cards to a newly opened Bank of America credit card in my name. She stole my account numbers and account information from my other credit cards and processed balance transfers without my knowledge. It blew my balance on my Bank of America card by more than 3,000.00 dollars. I filed a complaint with BofA and they denied my claim of fraud. Can you please help me. Thank you kindly!

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-01-22
Company: Bread Financial Holdings, 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:
XXXX XXXX accounts showing charge offs on my credit report, however XXXX has not responded to multiple attempts at verification of debt. I have even been hung up on in trying to request verification over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my 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
Consumer complaint received 2019-05-09
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
in XX/XX/2018 I received a {$5000.00} installment loan from Money Mart. I made about 4-5 payments and then had difficulty with paying the almost $ 600 monthly payment. I needed to talk to  them but had difficulty locating the number to reach customer service. I never received any monthly statements, notices, or anything regarding my installment loan with Money Mart either by mail or by email. I fell behind on payments and while trying to fix things, the loan was charged off and I wasn't notified before or after. The loan had not initially even appeared on my credit report. I'm not sure if they are required to, but I believe the Fair Credit Reporting Act requires that they notify me when negative information is being furnished to the credit bureaus, doesn't it? I did not know that they were going to report this information until I checked my credit and saw that a 90 day late had appeared. I called them and was told by the person on the phone that they " just started doing stuff like that '' and they didn't have much information to give me. I ended up with 2x90 day lates on my XXXX   report and then without warning the loan was charged off. FCRA rule states that the creditor is supposed to notify consumers if negative information is going to be reported to credit reporting agencies including charge-offs and late payments and the notification is supposed to be done within 30 days. Without notification I did not have sufficient opportunity to rectify the situation. I don't think this is fair. The 1000 % interest rate may have been legal in California but I feel like this was not a fair deal. I believe that not providing statements and written communication is part of an overall strategy to take advantage of borrowers like myself. It's like they want me to default.

Company response to consumer: Closed with explanation