BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
YOUR COMPLAINT I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and XXXX, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 Eads v. Marks 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a zero balance and my invoice paid. Thank you any question call me 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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
Complaint : I Have sent out TWO hard inquiry validation letters to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request by This bureau only. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2021 without proper validation. I do believe this is a prejudiced response. 




( REPLACE XXXX  WITH XXXX WHEN YOU SUBMIT A COMPLAINT TO XXXX THAT IS THE ONLY TEXT YOU WILL NEED TO CHANGE ) Solution : I am demanding that ( lender or bureau ) remove their accounts from all 3 of my credit reports if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a call on XXXX from a friend, the call was cut off and I couldn't hear it well, so she told me that it would be better to send a text message through the same platform, in which she told me that I had a problem and that if I could make a shipment through " XXXX '' through my bank account with Bank of America, to which I agreed because I was a very close friend, I made 3 deposits. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  then I managed to communicate with my friend and she told me that her cell phone was stolen and that it was not her who was asking me for the money. As soon as I realized it, I reported it to my bank on XX/XX/XXXX, XXXX fraud a few days later they denied my claim telling me that it was not fraud but a scam and that they do not respond for those types of claims and that they could not recover my money from the other account so my money was lost and there was no way to recover it.

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 2018-11-17
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is the 2nd time I had to file a complaint with the same Amscot store. The first time thy tried to deny me the loan and corporate got involved and made them give me the loan.This time they are refusing to enter in my payday and keep entering in the day THEY want me to pay. I told them 2 times that my payday is on the XXXX and the first time she said okay and hung up the phone then they began leaving messages and I found out that she never entered it into the system to begin with. I am trying to pay it off as I have always done ON time but they always try to switch up the actual day of my payday. I am tired of trying to make them do the right thing. Please make management have them enter in the correct day which is the XXXX.They knew this when they gave it to me and eep trying to deny me services once again. this is clearly not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a PayPal account which holds {$270.00} of money collected from sales on XXXX. The PayPal website gives you the option to have them send you a check for a {$1.00} fee. I asked for a check in the amount of {$270.00}. However, the webpage sends an error message when I try to request a check. Here is error message : " Before you may withdraw funds by check, you must confirm a non-P.O. Box address or become Verified by adding and confirming a bank account. You can confirm your address and request a check immediately by clicking on the Add a Confirmed Address link. '' However, no " Add a Confirmed Address '' link can be found on anywhere on the website. I reached out via chat to PayPal, and they told me that the only way to get my money is to link my bank account to PayPal. I do not want PayPal to have my bank account information. I want them to send me a check to my home address. In reaching out to PayPal, they refuse to give me my money and they refuse to close my account until I give them my bank account information so they can transfer my balance to my bank account. 

Basically, PayPal is holding my money hostage until it gets my personal bank account information. That is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-12-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EXperian Is reporting inaccurate information on my credit report. 

FCRA Violation of 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also you are in FCRA violation 1681B Permissible Purpose.

Please provide me an original copy of any documents with my wet signature given you permission to furnish anything on my report.

also please provide me with who you investigated this information with before you furnished this alleged debt on my account. who did you speak with? please give me the names of any neighbor, friend, associate, and addresses and phone numbers.

FCRA 15 USC 1681d ( 4 ) ( a ) Disclosure of Investigative Consumer Report states- ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting 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:
delete hard inquiries XXXX XXXX INQUIRIES en Experian : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRIES en XXXX : XXXX XXXX REPORTING XXXX XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX. XXXX XXXX inquiries en XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 .S. 81 ser hase i. States have the right to privacy. 
XXXX a XXXX XXXX XXXX XXXX stales a consumer reporting agency can not 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any comator sintinguiny if the person knows or has reasonable cause to believe that the Delete the accounts below :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MD
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to formally complain about the persistent challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple efforts to address this issue, the fraudulent entries persist, causing significant distress and harm to my creditworthiness. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly establishes the illegitimate nature of these entries. 

Despite my concerted efforts, the fraudulent items persist on my credit report, negatively impacting my financial standing and causing undue stress. I am well aware of the seriousness of identity theft and the importance of swift resolution to protect both consumers and creditors. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will be compelled to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX Balance : {$8000.00} XXXX  XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, TX 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 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-05-04
Company: CCS Financial Services, Inc.
State: TX
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 submitting this claim against XXXX XXXX CCS. I have contacted them and filed disputes because they are reporting an incorrect address under my name. I have told them multiple times and sent my w2 as proof of the correct address and they still won't update it. I want them to do their jobs and report my address correctly! Also, they have listed 2 collections accounts under my name. They are NOT mine! I have told them over and over! The address isn't right and the collections aren't mine. I demand a deletion of this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Denial of promotional bonus. 

Opened a checking/savings account combination under a promotion which promised a bonus after certain activities were met. 

I met all the activities yet the company refused to credit the bonus. 

The company admitted that I qualified for the bonus in an online chat but then when I created a case to look into why it wasn't credited they sent a letter saying I didn't meet the conditions. 

However I did meet all the conditions and I have the statements to show it.

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 2019-06-11
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We wanted to pay our Escrow ourselves starting in XX/XX/2019. It is XX/XX/XXXX and they are still taking money and putting it into escrow. We have contacted them each month to discuss the issue, and they will not resolve it. On the phone, they understand ( sometimes ), they have made mistakes, but when the bill comes in the mail, it is still not correct. Getting through to them on the phone has been an issue as well. Each person is new and does not understand the history behind the loan. 
We need to resolve the issue so NO escrow is taken from our account.

Company response to consumer: Closed with explanation