BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: MOHELA
State: CA
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 have been a public service employee for over 13 years ; as such, I qualify for PSLF and PSLF ( temporary waiver ). 

My employer ( government agency ), signed the necessary paperwork for my PSLF and PSalF ( temporary waiver ).

However, I received a letter from Mohela ( Lon service ), indicating several items are missing from my application, including a valid signature from my employer.

My employer and I both signed the documents via PDF. 

I feel Mohela is giving me the run around and my employer does not have time to keep fixing Mohelas ridiculous requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: ALLY FINANCIAL INC.
State: OH
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 Reporting act XXXX Account, 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

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 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello My name is XXXX XXXX, I lost My Bank of America credit card in XXXX, Someone used my credit card, in XXXX, Fraud I disputed the charges which I didnt make but month later bank Bank of America told me Im responsible for that charges which I dont recognize that charges. 
Please help me Thank 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 monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 canceling credit monitoring or identify theft protection service

Complaint:
False reporting on file

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 2023-08-05
Company: ERC
State: AZ
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, Enhanced Recovery # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2022 - online purchase which I never received and card was charged. 
XX/XX/XXXX - emailed XXXX XXXX XXXX  I did not get my order. Case # XXXX was assigned. 
XXXX XXXX - follow up email, I'm being charged and I don't have merchandise. Case # XXXX was assigned. 
No one responded to these cases so every month I called. 
XXXX XXXX processes their account but they always told me they could not assist me I had to contact XXXX XXXX XXXX directly. They never answer the phones. 
I was contacted 2-3 times a week for payment and each time I'd ask them were notes on my account for my disputes. 
XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX that went unanswered. 
XX/XX/XXXX, I filed a compliant with the XXXX, case # XXXX. 
XX/XX/XXXX, the XXXX closed the case due to no response from XXXX XXXX XXXX 
XX/XX/XXXX, I filed a dispute with the credit bureau because this is showing as past due with late fees on my credit file. 
I have spent over XXXX with XXXX XXXX XXXX and paid on time, why would I dispute {$85.00} and, why won't they address my dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2022-03-27
Company: Social Finance, Inc.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Sofi XXXX credit card was stolen on XXXX when my locker was broken into while I was at the gym. I was contacted by the Fraud Department through text of a possibly fraudulent transaction at XXXX for {$500.00}. I texted back that I had not made the charge, and I also called and reported the theft of my wallet. I was assured that the charge would not go through. The charge posted to my account on XX/XX/XXXX. I have called twice to try to resolve the issue, but as of XX/XX/2022 ; Sofi has still not removed the fraudulent charge from my account. I have written a letter to Sofi disputing this charge and included a copy of the police report number. Please help me resolve this dispute as I am supposed to be protected by the Fair Credit Billing Act, as well as XXXX Zero Liability Protection for fraudulent tranasctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, I have had multiple inquires from a company called XXXX, and it has negatively affected my credit score. It will remain on my credit for a year. Please advise what I can do about this. I feel that the credit bureau discriminates on my profile, particularly EXPERIAN. I pay my bills on time and have never been delinquent. I keep all the cards current. As a XXXX XXXX XXXX, credit is essential to me. 
Please advise what my options are. My credit adjusts drastically any given month without reason. It is a struggle to raise it. For example, in XXXX, I paid 60 % of all my debt, and the score only went up 30 points. Recently because of the inquiry, they reduced my score 90 points!!! Unreasonable. I tried to get in touch with the credit bureau, but they could not explain the reasons to me. They said they have nothing to do with it. How are these credit bureau regulated then if no one has any answers? Thank you in advance for your assistance. 
Inquires dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I filed a complaint and called Experian in XXXX regarding these inquires.

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 2021-10-15
Company: LEXISNEXIS
State: GA
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:
To whom it may concern XXXX XXXX XXXX a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) 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. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you reframe from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$20000.00}

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 2023-03-27
Company: EQUIFAX, INC.
State: TN
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:
When I reviewed my credit report, I discovered that the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am XXXX and feel discriminated with my macys account I am trying to place online orders and their system keeps cancelling them when I call them they refuse to help I also wanted to upgrade to the American Express version and they told me to reapply which I have but then they cant send a code to my phone to verify me and put it on hold this isnt fair

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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I called to Walmart Capital one Card and they are not seeing any lates on my account. Somehow, the are showing that I had an {$8.00} balance that is reporting 30 days late for XX/XX/2021. I was never late. I am on auto pay. This should never have hit my credit and capital one doesn't show me anything was late. I spoke to XXXX and they are confused by all of this. This dropped my credit 40 points and I am trying to purchase a home!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Fair Credit Report Act ensures your right to an accurate consumer credit profile. It obligates companies to report truthful information on your credit report. It also provides some ways you can challenge information you think is inaccurate.

The Fair Debt Collections Practices Act also helps ensure creditors are honest when reporting or collecting debts. Additionally, it prohibits collectors from engaging in harassing or abusive behavior to collect a debt, including contacting you excessively or at inappropriate times. You might be able to report or seek remedies from collectors who break these FDCPA rules for fair collections.

The Truth in Lending Act is part of the Consumer Credit Protection Act. This law deals with what information lenders must disclose, how they can advertise their products and rates and what rights you have when a lender isnt truthful or transparent. 

Fidelity Credit Services is showing I owe XXXX. I would like for Fidelity Credit Services to show the Rental Agreement I signed with their company.

I would like for them to show the court order in the amount I owed to Fidelity Credit Services. I would like for Fidelity Credit Services to show where I gave them permission or anyone permission to gain access to my personal information. In the State of Georgia The Georgia statute of limitations on debt is six years for written contracts. This information has been on my credit report for 8 years. If this agency can not provide a contract where I gave them permission to access my personal information. If they can not show proof of a court order where a Judge gave Fidelity Credit Services permission to access my information. This is my last attempt to remove the false debt. I do plan on taking legal action which is my right in the amount of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Open Date XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and 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 non-monetary relief
Consumer complaint received 2023-11-26
Company: PNC Bank N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in the process of a loan modification and required to make 3 trial payments, which I made as directed.

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit.

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Amsher Collection Services, Inc.
State: LA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RECEIVED AN ALERT TODAY FROM XXXX THAT THERE WAS A COLLECTION DEBT ON MY REPORT. IT CLAIMS THAT A DEBT OF {$990.00} IS OWED REGARDING XXXX XXXX AND THE COLLECTION COMPANY IS AMSHER COLLECTION SERV

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
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 canceling credit monitoring or identify theft protection service

Complaint:
I have made multiple attempts in order to get a XXXX XXXX account off of my credit report because I have no knowledge or part in creating one. I told them that it is possible someone may have opened an account in my name because I did lose 2 of my SSN cards & they said it was me because the store is within so many miles of my home when I know I havent opened any accounts. Ive tried multiple attempts and now I am ready to report against Experian.

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 2021-10-15
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX 2021 I CONTACTED CONVERGENT OUTSOURCING ABOUT A DEBT THAT WAS ON MY CREDIT REPORT THAT IS NOT MY DEBT, { THIS IS NOT THE FIRST TIME I REACHED OUT TO THEM CONCERNING THIS SAME DEBT } ' I WAS TOLD THAT THEY { CONVERGENT OUTSOURCING } WAS GON NA SEND ME A FORM TO FILL OUT, IT HAS BEEN A MONTH AND I HAVE NOT RECIEVED ANY MAIL FROM THEM ... .THIS WAS THE SECOND ATTEMT TO GET THIS FIX.. 
I HAVE A MORTGAGE PENDING AND IM STILL WAITING ON THE AFFIDAVIT..

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