BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: MOHELA
State: TX
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 loan was transferred from XXXX to MOHELA, and I was notified on XX/XX/. However, I was never notified that the transfer had been completed until XX/XX/. At that time, I was made aware that I had a payment due on XX/XX/. My previous loan servicer had deferred my payments until XXXX due to processing my Income-Driven Repayment Plan application, which was submitted on XXXX. MOHELA did not acknowledge this application, said that my loan types were listed incorrectly, and that I would need to go through an application to correct the loan types and make me eligible to re-apply for Income-Driven Repayment Plan ( which is still pending per the federal website ). While trying to go through this application on XX/XX/, the representative I was speaking with somehow ended the call, and I have tried getting through since to no avail. I am now in a spot where MOHELA is requesting a payment with only 1 day notice despite prior deferment, incorrect loan information, and the inability to get in contact with them.

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 2023-01-06
Company: EQUIFAX, INC.
State: PA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank without notice closed my XXXX account on XX/XX/XXXX. The account has been active since XXXX with an excellent history. With the recent Pandemic I have not used the card regularly over the last XXXX years ; however, was planing to use in the next month. 
I called on Synchrony Bank on XX/XX/XXXX when reviewing my credit wise and credit karma accounts, since my available credit decreased. I have XXXX accounts with Synchrony Bank, XXXX, XXXXXXXX XXXX XXXX All have exceptional history. They did the same thing with my XXXX XXXX  account and I reopened the line. This causes me additional inquires and lost history, which both are a detriment to my credit history. I received no written or verbal notice of the intention, required action, which is bad business. I asked for the account to be reopened since I was within 30 days of noticing. the representative stated that I would need to reapply. I asked to speak with a supervisor, after XXXX minutes of hold time I decided to proceed with this complanint.

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 2020-12-15
Company: HW Holding, 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: Account information incorrect

Complaint:
XX/XX/2020 Hunter Warfield, INC added a derogatory mark on my credit report per XXXX XXXX. I have had many unsuccessful disputes with the Credit Bureaus in reference to the Hunter Warfield Account. The account was settled for a pay for deletion but reflects as charged off and still accumulating interest for the past few years. No written form of communication or verified debt was ever sent to me. According to the FCRA, Hunter Warfield INC, has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2023-07-27
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:
Upon recently checking my credit report I noticed multiple accounts reporting on my profile that I did not authorize or verify. Section 609 of the FCRA says that before derogatory accounts are placed on your credit a signed letter of verification must be on file. I demand to see said letter of by law these accounts must be removed from my credit within 30 days of the date of this letter. These fraudulent accounts are negatively impacting my credit and my livelihood and I need your immediate assistance with resolving the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Bank of America had frozen my business account and personal account. I reached out to closer department. She explained to me my account was closed due to a third party checks being deposited into my personal account and not my business account.. I explained that the funds were deposited into the wrong account and and it shouldve had my name on the check as well as my business name. The Response was I needed to call sender to request funds back, until then it will be in a holding account. XX/XX/XXXX XXXX, from Closer department. 
Im requesting for my funds to be returned to me. {$10000.00}. 

Also while my account was frozen Bank of America allowed for funds to leave my account without my consent a month after my account was frozen. I would like for {$680.00} be also refunded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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:
XXXX showed a late payment I have never been late

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 2018-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have come to my last resort as I do not know what else to do. My ID was compromised a few years ago and I have tried numerous times to get USAA to remove the mark from my file regarding a JOINT CREDIT CARD account under my name that is housed in their collections department. I have repeatedly sent letters and or reports to the agency and to a collections department to a " XXXX '' who would not give me the last name. 

I have never signed up for a joint credit card with usaa and i know that my information has been used against me. I have had a stellar relationship with usaa bank and would really hope to continue this relationship as i have several accounts with the same company. However, I am asking that USAA will remove this account and remove any flags that are on my account as a result of an uncollected debt on the account XXXX. 

USAA intially removed this account from my file, but never notified me per the FCRA that this account would be reinserted at all and as to why. 

I never agreed to be a joint signer on this account. I didn't even know that it is possible to do so. My ID and pertaining info was compromised a long time ago and I am asking USAA to look at my documents and my stellar account history and remove this debt as this is not mine and was used by someone else against my will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Convergent Resources, 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: Was not notified of investigation status or results

Complaint:
XXXX turned my bill over to convergent outsourcing after I sent 13 emails and spoke to numerous people. Convergent has reported this six times to the credit bureau. Some were two to three days apart. They call prior to XXXX. They never sent me any notice. I am working with XXXX  to resolve this issue. XXXX has one total and the collection agency has another.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Avant Holding Company, Inc.
State: CA
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:
on XX/XX/XXXX i found charges on my avant credit card and reported them immediately and shut down the card. on XX/XX/XXXX found 2 more charges and called again to report the fraud. i have called a total of 12 times and each phone call is documented. avant refered me to shelbi in the fraud division last month, the charges on my account are XXXX XXXX- {$12.00} XX/XX/XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX- {$20.00} XXXX XXXX {$20.00} XXXX XXXX XXXX- {$53.00} XXXX XXXX XXXX XXXXp- {$16.00} XXXX XXXX XXXX {$23.00} XXXXXXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX  {$35.00} XXXX XXXX XXXX {$21.00} i have no knowledge of the charges and now because no one will help me my credit score has decreased due to avant reporting I am over my limit and not doing their job. i'm XXXX and on a very fixed income and shelbi in the fraud division keeps telling me via email ( because she has not answered any of the 6 times i called nor has she tried to call me back and i have my call log from my phone company to prove and will give if needed ) that the charges that I am saying are not mine she can not find. can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 my payment was posted to my Capital One credit card account. On XX/XX/2023 I received a notification via text message from Capital One that the payment was posted. I did not think they payment did not go thru. On XX/XX/XXXX I received another text message that my balance was of {$2200.00} because of this I contacted Capital One as I was under the impression that my credit card was compromised. I found out the payment posted XX/XX/XXXX had been returned, the account did not notify me of this. I contacted Capital One and they stated they do not provide any special notification if account payments are not posted, why would I receive a text message for a transaction that did not occur. 

They charge accounts for interest for the following XXXX cycles. If they think to charge an account for this long then they should also look at notifying their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: Premium Credit Bureau
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX and Premium Credit Bureau both ran my credit under false pretenses. I inquired about refinancing my home and let both parties know that I was self employed. I let them know that I was under the impression that they averaged out 2 years of income for your qualifying income requirements and if that was the case that I didn't make enough in XXXX to be able to be at the 2 year average I needed to be at. Both financial institutions told me that if I had been business 3 years or more that they would use one years tax returns to qualify me. After I gave my consent to run my credit and gave a copy of my XXXX Tax returns I got return calls from both mortgage brokers telling me that some thing had just changed and now they are requiring 2 years average of tax returns. I was outraged when they told me that because that is exactly what I had told them before they reassured me that I was incorrect. They are the professionals and should know that before giving me wrong information. When I expressed how upset I was and that they ran my credit for no reason neither of them could have cared less. I asked to speak with managers who said their employees did nothing wrong. 

This can't be how banks are allowed to do business, guessing and not having the correct, real time information before making a decision that impacts the consumer. I am about to refinance and there are 2 looming hard inquired on my credit that leaves such a bad taste in my mouth that I researched what I can do about it so that is why I am writing you today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE 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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XX/XX/2021.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE FRAUDULENT INQUIRES ON XXXX, XXXX, AND EXPERIAN THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : 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 2019-07-13
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection on my account in XX/XX/2019 that shows as opened XX/XX/2019. This collection agency is Helvey and Associates, on behalf of XXXX XXXX. The date shown that the collection was opened shows XX/XX/2019. I do not have an account with XXXX XXXX and have not for 10 years. 

I have contacted Helvey and Associates by mail twice asking for proof of this debt and have not received a response. I have not received one collection notice or contact from XXXX XXXX nor Helvey and Associates. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
ON XX/XX/2020 I attempted to obtain a VA home loan. When I checked XXXX, it showed that I had XXXX XXXX XXXX accounts with USAA. I was denied the loan. I contacted XXXX and they verified the reported information of the same date. I contacted USAA. This false reporting is violation of 807. False or misleading representations. USAA may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

The attached XXXX report confirms that USAA currently is incorrectly reporting that I have XXXX XXXX XXXX accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: MO
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 accordance with the fair credit reporting act, XXXXXXXX  account number XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MD
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:
Inaccurate Inquires on my credit report 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 2020-02-05
Company: U.S. BANCORP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I worked for XXXX as an XXXX  XXXX. The company required us to have a credit card for required purchases. When I left the company, there was a delay in them paying off the debt. This card has been paid and has a XXXX balance. XXXX XXXX XXXX  calls on a bi-weekly basis attempting to collect on this debt. I have now communicated to them three times that there is no longer a debt. They continue to call me and use names like deadbeat, and ask where they can direct legal documents ( implied threat ). I have also filed to be on the National do not call list. I have asked them to commutate by mail, I have asked them to put me on their do not call list. The calls continue.

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