BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant errors in my credit report, which I believe have resulted from the Bureau 's failure to adhere to proper procedures and maintain accurate information, as required by 1681 ( a ) ( i ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am a resident of New York and covered under the FCRA and New York General Business Law ( NY GBS ) as a consumer. The errors in question have persisted before, during, and after the dispute process, constituting violations of state law, FCRA, and NY GBS. I kindly request a thorough reinvestigation into the following discrepancies : Violation # XXXX : Notice to Delete Account Immediately XXXX Account # XXXX : Incomplete Reporting : The account opened in XX/XX/XXXX, but there is no information reported until XX/XX/XXXX. The frequency of payments due is unknown this constitutes illegal incomplete reporting. Missing Information : Data of last activity, first delinquency ( stated as XX/XX/XXXX ), and terms frequency are absent. this constitutes illegal incomplete reporting. Incorrect Account Status : Despite being listed as a collection account ( status C ), there is no corresponding entry under the collections section. Creditor Classification : The type of business for XXXX is marked as unknown, which should be corrected. this constitutes illegal inaccurate reporting. Date Closed : The entry for the date closed is missing, and it should, at the very least, reflect the date the account was paid. Incomplete Account History : The actual payments made do not reflect accurately, with high credit showing {$0.00} and an incomplete amount past due in XXXX of XXXX entries. These discrepancies not only violate the FCRA but also indicate a failure to maintain reasonable procedures to ensure the maximum possible accuracy of my credit information, as required by 15 U.S.C. 1681e ( b ). I urge the Consumer Financial Protection Bureau to address these issues promptly and thoroughly. It is imperative that inaccurate and unverifiable information be either corrected or deleted from my credit report, in accordance with federal and state laws. This account is reporting illegally and needs to be deleted.

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 2023-11-30
Company: REGIONS FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wife and I live permanently in XXXX XXXX- where we have a bank account with Regions Bank. We are currently living for a year in XXXX, where we have already filed a police report ( XXXX ). The XXXX police recommended that we also file a report with you. On XXXX XX/XX/2023, someone -- not us -- cut two new debit cards on our account at Regions bank. On XXXX XXXX, at XXXX, a criminal used the illegal replica of XXXX XXXX 's card at ATM number XXXX at the XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX, FL XXXX illegally to withdraw {$800.00}. Also on XXXX XXXX at XXXX, at the same ATM, a criminal used the card of XXXX XXXX to withdraw an additional {$800.00}. On XXXX XX/XX/2023, at XXXX, a criminal used ATM number XXXX, also a XXXX XXXX XXXX, located tat XXXX XXXX XXXX XXXX in XXXX, FL XXXX, to withdraw an additional {$800.00}. This crime was committed using the illegal replica of XXXX 's card. At XXXX of the same day, a criminal used the illegal replica of XXXX 's card -- at the same terminal -- to withdraw a final {$800.00}. As a result of these unauthorized and illegal activities, {$3200.00} was stolen from our Regions checking account. XXXX reported these illegal transactions on XXXX XX/XX/2023 to Regions, as soon as we discovered them through our on-line banking application. Our bank -- after a very cursory investigation ( my wife had to discover the above information on our own ) -- insists that we carried out these transactions in Florida ; at a time when we were in XXXX Oklahoma, and our legitimate cards were in our possession. The complexities of this operation indicate that this fraud might very well be an " inside job, '' although our bank has no interest in pursuing this matter further. We, however, are hoping that authorities will be able to recover the security footage from the ATMs where the crimes occurred. We hope, as a result, that the perpetrator ( XXXX ) will be identified and brought to justice. We are eager to press charges against the perpetrators. Indeed, we are sure that we have not been the only victims. We are willing to press charges. All that Regions Bank said was that, since these transactions were chip-on-chip they must have been authorized by either my wife or me. My wife was able to find out the information above concerning the times and places of the transaction with remarkably little effort. As the XXXX police told us, it sounds like you have been doing your banks work for them.

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 monetary relief
Consumer complaint received 2024-01-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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:
I had fraudulent charges for an amount of {$37.00} in XXXX of 2023 on my Barclay 's credit card I have been trying to have them removed only to get a run around from the company with them now adding late fees for that amount

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 2023-12-12
Company: MOHELA
State: MA
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:
My personal banking services emailed me a notice of overdraft due to insufficient funds. I checked my account and saw that Mohela my student loan servicer processed an auto debit amount of {$1500.00} on XX/XX/2023 but my monthly payment is suppose to only be {$190.00} per month as stated on my monthly bill. I called Mohela to discuss the matter and their representative informed me it would be refunded to my account within 24 hours, unfortunately this was not true. I called Mohela again on XX/XX/2023 informing them the funds have not been refunded. 

My biggest concern is how this is impacting the millions of borrowers as many people can not afford the time or resources to constantly call their servicer and be on hold for hours and many do not have the means to be depleted of their personal finances due to loan servicer 's mistakes. This is an issue of administrative mistakes that serverely impacts those who are even more underprivileged. In no other business/organization would be able to wrongfully charge consumers thousands of dollars and still be operating without putting a halt to their payment processing until issues have been resolved. Another customer representative informed me they had wrongfully charged another borrower their full loan balance! There has been no accountability for their mistakes and the level of wrongdoing is appalling. 

Loan servicers mistakes are severely jeopardize consumer 's financial resources and put consumers at risk of their housing/rent/mortgage timely payments. 

I truly hope CFPB takes this matter with utmost importance to ensure this is not another system perpetuating inequality for undeserved populations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIRD PARTY- XXXX XXXX TRANSUNION XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : ACCT # XXXX I've uploaded documents showing evidence I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!

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 2024-01-15
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I found out about this debt I called the debt agency and told them they were not supposed to have any of my information because this is a HIPAA violation. I did not authorize any third-party company to obtain my information.

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 2023-12-12
Company: MOHELA
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in the document attached. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 ) ( XXXX Account # XXXXXXXX  ) ( XXXX XXXX XXXX XXXXXXXX  ) 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In XXXX, several accounts/credit cards were opened using my information including XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Bank of America, XXXX XXXX , To XXXX XXXX, and XXXX . I immediately disputed all accounts, which were all removed from my credit and I thought the issue was resolved. At that time I placed a fraud alert and activated protection. Fast forward to XX/XX/XXXX, I was applying for an auto loan and realized I had a charge off from Bank of America which I thought had been resolved in XXXX. I immediately went to the police and filed a report and have been going back and forth with XXXX and Bank of America to resolve this issue. I went to a Bank of America branch on XX/XX/XXXX and had them fax over my police report and all of my supporting documents that they requested and my dispute was still denied based on them claiming that they did not receive my supporting documents and also stated there was not sufficient evidence to support my claim. I have provided a police report, along with pictures of all the accounts that were opened at the exact same time of the Bank of America credit card, and pictures of all the disputes from the other accounts that I filed back in XXXX. Please may I have assistance with getting this resolved.

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 2024-01-22
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received 3 separate emails stating that I had opened 3 checking accounts with Ally Bank. I never opened any accounts with them. I called several times and basically received the runaround. Today I received a letter from Ally stating that these accounts were now restricted due to unusual activity on XX/XX/year>. I called their fraud department and again was given the runaround and the person I spoke to was very vague and stated it would take 30 days to review and someone would call me back. I am very upset that 3 accounts were opened in my name without my permission.

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 2023-12-05
Company: MOHELA
State: GA
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 made over {$44000.00} in voluntary payments to XXXX on XXXX during the payment pause ( see attached ). Since then, my loan servicer changed to Mohela. I requested a full refund from Mohela in XX/XX/XXXX and so far have received {$110.00}. 

Several calls and emails have made to Mohela over the last 15 months regarding the rest of my refund ( I attached a few screenshots, just to show the dates ). XXXX response I got from Mohela was they are only responsible for submitting the refund request, and that I needed to contact Federal Student Aid to check the " National Student Loan Database '' to figure out why we only received {$110.00}. 

I made the phone call to Federal Student Aid as advised, and was told Mohela is responsible for my refund request. 

I have spoken to different people at Mohela and received responses such as " we have a lot of refunds to process, wait XXXX weeks, '' or " you need to contact XXXX. '' The most recent response I received from Mohela ( from a supervisor named XXXX on XX/XX/XXXX ) is that since some of the loan groups were paid in full and closed at XXXX, they were never transferred to Mohela. Therefore, I needed to " request the refund from XXXX ''. 

I spoke to a supervisor at XXXX ( XXXX ) on XX/XX/XXXX, and he says Mohela has the ability to request refunds from the Dept of Treasury for any voluntary payment made in XXXX, even if the loan was paid through XXXX. He also mentioned the cutoff to request a refund from XXXX was XX/XX/XXXX, and the messages I send ( including the refund request I sent months ago ) " don't always attach '' to my accounts, even if I am logged in on the portal. XXXX also does not show a " sent messages '' folder, so I am unable to provide screenshots of the messages I have sent to them. 

Mohela and XXXX have both been denying responsibility for my refund request for over a year, and XXXX of them is giving inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: ResidentCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me every single day for years and I have told them to stop. I have had to block their calls to get them to stop harassing me, but I can still see that they attempted to call me. Some calls are happening multiple times a day and once again it is every single day. I have told them about the situation about the debt and they still keep harassing me. The debt had occurred in 2017 and I still am getting harassed. 
The phone number is 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 2024-01-22
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account : Original Creditor Name XXXX XXXX XXXX XXXX Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state. 
8. Your license numbers and Registered Agent or Agent of Service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EdFinancial Services
State: NC
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:
On XX/XX/XXXX I applied for the SAVE Repayment Plan. Once I filled this out I was told that the only amount I would likely have to repay was a little over {$5000.00} I was also told that my student loan servicer EdFinancial would be reaching out to me regarding this matter. I did receive information on starting repayments on my student loans but none whatsoever regarding the SAVE Plan. I make less than XXXX a year but the payments were wanting me to pay over XXXX in total with XXXX XXXX monthly repayments. I tried to call and the person I talked to had no information whatsoever regarding my SAVE Plan. I have now received mail saying that I do not owe any money for the next 12 months on the SAVE plan but then have a bill for {$220.00} saying I still owe {$42000.00}. I have been doing some reading on EdFinancial and discovered that just last year they got in trouble for lying to students about their loans. I am likely only to get a student aid again if I call and they will likely only read to me what they have on their computer screen. Since this servicer is located in Tennessee, which is notoriously Republican, and would probably be against the SAVE program for both financial and political reasons I want this investigated. The current payment is more reasonable than the last one but I still think they are trying to commit fraud, and if they are doing it to me they are most likely doing it to other students as well. I am currently looking for better paying career and plan on pursuing certifications for those in the next year. If I had that already I would not have an issue with paying back my loans. Since I have not gotten back the return on the investment of time and money I sacrificed for my education I really dont think its fair for the government to get a return on it until I do, especially when my tax dollars are going to subsidize XXXX XXXX corporations who make record breaking profits but pay their average worker peanuts in comparison to the profits they make.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-29
Company: EdFinancial Services
State: ME
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:
I set up auto payments on my student loans a month ago for when the forbearance ended. EdFinancial confirmed that my card information was correct and that my auto pay was set up correctly. The due date came, and they took payment on XX/XX/, but then cancelled it without notice at all. Now my loan says Im past my due date when I did everything I was supposed to do.

Company response to consumer: Untimely response