BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called MOHELA regarding my federal student loan status and to discuss payment options, as I am unable to on the website. Any page I go to on the site says " Due to the status of your account, please contact MOHELA at XXXX for any account inquiries or document requests. '' Calling the number yields being hung up on. My last call I was on hold for an hour and a half and was hung up on without any interaction with a customer service representative. I am unable to change anything on the site and I am unable to speak to a customer service rep. I will be unable to make payments at the current payment levels required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-01-18
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX, Experian Credit Reporting Agency, XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1666b. They did not notify me 21 days before my payment date on any of the four accounts they reported late payments on.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Albert Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2023 XXXX took {$140.00} dollars out of my account an it was more then they should have it was taken at XXXX eastern time. I tried to contact them an they kept giving me the run around an not really answering my questions

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX my account overdrawn by {$10.00} due to a XXXX charge. I did not notice my account was low on funds. Through XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX there were additional purchases made on my behalf. XXXX door dash {$26.00} which I believe was double charged. XX/XX/XXXX {$100.00} from XXXX XXXX. XX/XX/XXXX {$28.00} from door dash. Then on XX/XX/XXXX and XX/XX/XXXX no purchases were made but, I was charged {$36.00} for both days. In total I have been charged {$36.00} in overdraft fees daily. Which has my account in negative - {$370.00} as of XX/XX/XXXX. I reached out to Regions bank today regarding these daily fees which has accumulated to {$180.00} total in just a matter of days. I was sent to a supervisor who was unable to help and stated I had to pay these fees. After searching online I noticed Regions Bank had previously had a class action lawsuit where theyd owed millions to members due to their overdraft policies which no other bank charges these outrageous fees. XXXX XXXX I spoke to him on XX/XX/XXXX he was extremely rude and wouldnt provide me with my account number or give me his badge/ID number so that I could submit this complaint properly.

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 2023-08-09
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1992 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have a credit card with Citi. Some months ago, without notice and without a significant change in my credit report they reduced my credit limit from XXXX to XXXX, while my debt with them at that time was about XXXX. That affected my credit report seriously, in the middle of the acquisition of a car and in the process to move to a new apartment. Never have had a late or overdrafts. I contacted them without any solution. 
Now, many debt was about XXXX for interest charges. Last week, the same day, they reduced my credit limit to XXXX and then, a copule of hours later they increased to XXXX again. Yesterday they reduced again to XXXX and put me in overdraft, an overdraft that was not mine, since I was inside my credit limit. They said my credit report dropped down, and actually was the contrary, it went up for XXXX points! That, again, affected me enormously and reduced my credit report in more than 25 points. 
Again I contacted them and now they say that I have to wait more than a month for an answer.

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 2023-09-05
Company: EQUIFAX, INC.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Flagstar mortgage has my XX/XX/2023 payment listed on my credit report is 30 to 59 days late. Ive contacted them multiple times Ive sent them multiple factors I filled out their credit dispute form. I have a copy of the letter showing that I was approved for the HAF housing assistance program through the government. The government even gave them payments Yet they still reported negatively to my credit. This government program has a stipulation in there that mortgage companies can not report negatively to the credit if a person is approved for this program because sometimes HAF takes a while to actually distribute the payment. They did get the payment, but they reported to my credit and they are refusing to remove that late payment off of there. It says the servicer must waive all late charges, fees and penalties and may not report it to the credit report. Im not working right now and theyre negative report lowered my credit score which is causing credit companies to reduce my credit limit its messed up.

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 2022-12-27
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime is not trying to give my refund back from XXXX they telling me I need The send them some paperwork from XXXX I even had the merchant on phone I have screen shot and been calling to no help very disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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: 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.

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 non-monetary relief
Consumer complaint received 2023-06-17
Company: Upgrade, 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: Card was charged for something you did not purchase with the card

Complaint:
I was alerted by Upgrade card that my account had been frozen due to suspicious activity. I knew i had never even used that card. I went to where i keep stuff like that in my dresser and noticed it had been stolen. I called upgrade and reported card being stolen and that the charges that had been made were not mine. I had never even used the card yet. They reversed the charges and said they would do an investigation. I filed a police report and gave them a copy of it. XXXX or XXXX months later they send me an email that they are terminating my account with them and that they are denying my claim. Reason for denying it was : No discrepancies were identified with the information provided in the application. The transactional history associated with the account is not indicative of fraudulent activity. 
I asked them why they are denying my claim and to explain what they are talking about when they say No discrepancies were identified with the information provided in the application. What application are they referring to? Also asked what transactional history they were referring to because i had never used the card. They said they don't share that information. I asked them how I can appeal their decision and they didn't give me an answer. The charges made on the card were made in another state that I have never even been to. I have written several emails to their claims department and they completely ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TRANSUNION LAWSUIT XXXX, PLEASE FORWARD TO LEGAL DEPARTMENT. 
I am providing my Schedule Fee of Intent for the damages/rulings of the most recent Transunion lawsuit XXXX XX/XX/2023. I am asking CFPB to supply the invoice ( done in good faith by CFPB ) according to the fee schedule violations, ruled by the court for such awards/fees to be credited via check, Immediately. Sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Pay to the order : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided with and may possibly belong to a relative. For the record, I have lived at the same address for five ( 5 ) years. 

My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 
My current address is XXXX XXXX XXXX XXXX XXXX OH, XXXX and I have resided here for 5 years. 
All other addresses are not accurate, please remove them IMMEDIATELY. 
XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. 
Please remove the above addresses they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I acquired the home that i had lived in for 15  years via a divorce. Ex husband gave me the house and a gift of equity and deed was transferred. I had contacted SPS in late XX/XX/2018 after my divorce in XX/XX/2018 to begin to assume the mortgage. The plan according to them was to Assumption of mortgage 1st then a Modification. SINCE submitted all required documents early XX/XX/XXXX i have been in constant communications with them every week since early XX/XX/XXXX. I have submitted and re-submitted documents. They alleged they did not receive certain documents or they will ask me to submit documents because they need certain numbers CIRCLED on my bank statements. I just resubmitted for the 2nd time my childrens income that i get due to my XXXX, even thought all of this was submitted in the initial application. I was originally told mid XX/XX/XXXX that it will be 30 days. It is now XX/XX/XXXX-nearly 2  months later and i am still getting the run around submitting documents all over. I am on social security XXXX and get child support and alimony. all that was documented. this run around has caused me alot of stress-not knowing whether i will wake up with a foreclosure sign on my front lawn. 

In addition, ex husband gets periodically phone calls from SPS ( the Florida location ) not Utah ) stating NONE of the documents and the application has been submitted. THis is a typical case of the right hand does not know what the left hand is doing. Just too many people handling my case and no resolution. I have also sent emails to Ombudsman  over at SPS and that has never been answered. I also sent emails to the agent that is suppose to be handling the case 2 times and he has not answer neither of my emails. 

Select Portfolio Services is essentially bleeding the equity of my home. i only owe XXXX. but since my ex husband left we are behind. I have since acquiring the home been sending XXXX dollars to cover some mortgage in hopes that i don't fall too far behind. But as far as i can see the money that i am sending is not getting applied and i am now behind XXXX. Of which XXXX or so is late fees and application fees. 

I would really appreciate some help in this matter / suggestions. The loan is still currently under my ex husbands name due to lack of follow through from SPS. 

THanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My Home equity Loan at Wells Fargo has gone from {$85.00} to {$160.00} per month. I Iost my retirement savings in the XXXX  crash ( over XXXX XXXX dollars ) and got stuck with a XXXX XXXX XXXX for {$25000.00}. I became XXXX soon after only been able to pay the interest for many years. I almost died from XXXX have been sick for XXXX  years. I have tried to refinance with Wells fargo but they can't really help me. Thanks, 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