BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: MOHELA
State: NH
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:
My student loans were currently on public loan forgiveness and I was set to begin making qualifying payments once the loan pause was ended. I also completed a borrower defense case against XXXX XXXX XXXX  on XX/XX/2022. In the application I checked off the box saying I did NOT want my loans put into a forbearance during the time it is being reviewed. My loans were put into a forbearance anyway without my consent. The wait times for a phone call are over XXXX hours when I call and I have not been able to get a hold of anyone by phone. I have sent XXXX emails to MOHELA trying to get it fixed and response takes a long time and has not fixed the issue. I have also received communication that they sent me the incorrect payment amount initially and will be sending me a new amount. This is impacting me being able to make my qualifying payments that count towards my public student loan forgiveness which then impacts when my loans will be forgiven. The attached form shows my borrower defense application and where I checked off that I do not want the loans placed into a forbearance during the processing time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: IN
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:
The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not owing and can not pay {$1000.00} To XXXX XXXX that this debt collection agency is trying to collect after debt was sold to them. I do owe {$700.00} being XXXX XXXX waived the interest, my original balance owing was {$1800.00}. I can pay {$25.00} a month until the {$700.00} is paid because I am not working and it is hard being a single parent just trying to get food, keep the water, heat and the lights on Please accept payment terms on {$700.00} owed amount. Attached is the last payment made to XXXX XXXX before all XXXX broke loose called Covid-19. I am wanting the balance to be honored at {$700.00} and payment of {$25.00} a month to be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX  super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.

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 2023-05-25
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00} I believe it was reporting in error.

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 2023-07-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm filing a complaint with TD Bank because my claim for unauthorized transactions made between XX/XX/XXXX and XX/XX/XXXX using my TD Bank debit card was denied. I noticed the debit card was missing when I logged into my online checking account on XX/XX/XXXX, and discovered the unauthorized transactions. I immediately called customer service to have the account closed, and to file a claim for the fraudulent transactions. I told the customer service representative that the card must have been lost around XX/XX/XXXX because that is when the unauthorized transactions began. The last time I remember seeing the debit card is when I made an ATM cash deposit on XX/XX/XXXX for {$1800.00}. I hadn't made any transactions before the debit card was lost. Nevertheless, the next day, XX/XX/XXXX, I received a provisional credit for {$2000.00} pending completion of the claim review. I then received a final resolution letter dated XX/XX/XXXX informing me that the review had been completed, and a determination was made that an error hadn't occurred. The reasons for the denial were that the transactions were authorized by me, and the spending pattern is consistent with previous account history ( see attached letter ). The only previous account history is when I lost a previous TD Bank debit card in XXXX, and there were unauthorized transactions on the account made mostly in XXXX, FL. The transactions that were made with this debit card were made in XXXX FL, and none of the transactions were identical to the transactions made with the first lost debit card. It's an error in review to clam the latest fraud transactions are similar to transactions authorized by me when I don't have prior authorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Chase credit card on XXXX XX/XX/XXXX to make a deposit for a trip planned to XXXX in XX/XX/XXXX the trip was canceled. XXXX told me since it was over 180 days I had to dispute charges through Chase bank and the bank will contact XXXX I have been going back and forth with Chase for several months and they keep putting the charge back on my account. The travel agent XXXX from XXXX XXXX XXXX told me to have Chase to dispute the charge and my credit card will be returned and sent Chase every thing I have pretending to this and still yet nothing being done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company called us asking us to refinance our home and we informed them we were not interested after taking to their representative ( XXXX XXXX XXXX ) and from that point on the harassment started. They called our residence over 15 times during the month of XXXX with different people each time and stating they were form another mortgage company, but all still calling from the same area code in XXXX, Michigan. They used every company which fell up under them, XXXX XXXX, XXXX XXXX XXXX and more. After telling them that their counterpart ( XXXX XXXX XXXX ) was very rude, disrespectful and we wanted nothing to do with them, they took it to another level. They called our current mortgage company, requested a payoff amount, contacted our insurance company and had them stop my direct payment and told them it would be paid through escrow. They created their own email account when they added themselves to our mortgage account as a third party to receive information about our account and they sent in forged forms with my signature requesting they be added as a third party. It was very time consuming to trace all of their steps and have everything they did erased and to keep them from accessing my accounts. This company license should be taken away from them and they should not be allowed to conduct business as an LLC or any form of company. We did not at any time sign any contract or papers with this company, but they pushed forward to disrupt our life and make it extremely stressful to fix all of the things they put in motion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Sezzle Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I reached out to the company several times via chat and email to move my last XXXX payments to another date due to a financial crisis, emergency. I was able to move the XXXX payment initially but it was moved to the same exact date XX/XX/2023 so I would be billed twice on the same date defeating the purpose of me moving the payment. The company told me over and over that there was basically nothing they could do, which to me is a denial of my own extension of credit to them. The original merchant already got paid in full up front, so there's no reason why the requests for me to move payments is a problem. The company XXXX is so unhelpful and cares nothing about it's consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/21 I applied for a Chase Freedom Unlimited credit card with this signup offer : " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from opening the account. And earn 5 % cash back on grocery store purchases ( not including XXXX or XXXX purchases ) on up to {$12000.00} spent in the first year. '' I received the card a couple of weeks later and started using it. After my first statement, and after spending more than the required {$500.00}, I found that Chase did give me the {$200.00} bonus ( in the form of XXXX bonus points ) but not the 5 % on grocery store purchases. I called to ask why and was told the I never signed up for that sign up package. I told them that I did and Chase person said she'd escalate and that I'd hear back in 14 days. I received a letter 10 - 12 days later that said, " Thank you for contacting us about the bonus offer on your account. Although your account isn't eligible for the new offer you requested, the original offer is still available to you. We encourage you to take advantage or your original offer. Your original offer is XXXX bonus points after you spend {$500.00} on purchases in the first 3 months your account is open '' On XX/XX/21, I called again to find out why I didn't get the full bonus offer. After several calls, I reached a supervisor who told me that there were 2 offers in effect at the time I applied for the card, the one I described and another that gives {$200.00} but no grocery store bonus. That is, one offer is a subset of the other and worth about 30 % of the other. Which one you get, according to the supervisor, depends on which online route you took to the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries on my credit report that are not on my behalf. 
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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-02-18
Company: EQUIFAX, INC.
State: CT
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. 
XXXX XXXX XXXX XXXX : XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
Attention Consumer Dispute Department : 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, defamed my character and caused me great XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For all other accounts : 12 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, 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 2023-12-19
Company: Experian Information Solutions Inc.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2020-08-11
Company: Allied Servicing Corporation
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am currently under a modification with Allied Servicing Co. I have attached a copy of the modification agreement, which I clearly signed under desperation in order to avoid being homeless. It is important to note that this agreement was only reach through forced foreclosure court proceedings as Allied Servicing refused to work with me initially.

Part of the agreement was for me to be able to refinance my 1st and 2nd mortgage prior to XX/XX/2020, which I was unable to do within the year due to my credit score. Then, Covid happened. The agreement states that unless I refinance before XX/XX/2020, I will have to pay the full amount owed ( approximately $ XXXXXXXX  ). I obviously do not have $ XXXX to pay out in a lump sum. 

I did not have any issues with my first mortgage company ( XXXX XXXX ) granting me a deferment for my mortgage payments nor with any of my other creditor. Once again, Allied Servicing is refusing to work with me and are demanding that I show proof of denial for refinance from three different lenders. As we all know, not all applications with mortgage lenders are subject to soft inquires, so I have had hits on my credit as a result of applying. 

This is not the first time Allied Servicing Co. has refused to work with me without forcing me into legal proceedings. Such legal proceedings have clearly added to my debt as they have unreasonably tagged on legal fees as well as other fees. I don't understand how forcing anyone into additional legal proceedings which lead to unreasonable fees is helpful to someone struggling with finances. 

I clearly do not have $ XXXX to pay off this second mortgage with Allied Servicing Co. by next month. I do not have any other means of income other than my employment. I am not asking for a deferment. I am simply asking for an extension of my modification for at least 6 more months so that I can refinance accordingly. My payments have been on time as per the agreement. 

I find the request of Allied Servicing Co. to be unreasonable and discriminatory, especially during this difficult time. Looking at my history with Allied Servicing Co., I believe their actions are due to the fact that I am am a woman of XX/XX/XXXX. 

I have attached relevant documentation for your review. Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation