BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2015 I realized I was a victim of identity theft. For several years my " trusted '' accountant was using my credit cards and opening accounts in my name for her own financial gain. It has been difficult for me to clean up the mess since it occurred over a long period of time. The remaining accounts in question are with American Express. I am not claiming that all of these accounts were fraudulent. The fact of the matter is that there were so many accounts involved, and it happened so long ago, that I can not say with certainty which accounts are 100 % mine. I wrote American Express a letter requesting my signed contracts and monthly statements so I could investigate which accounts and transactions were mine. They currently show a status of " charged off ''. I'm self employed and rely on my credit to fund my business. This obviously hurts me. I want to pay what I owe and fix the rest so I can move on with my life. AMEX did not respond. I wrote them 3 more times and included the police report. They never responded. Just today they called me and offered to settle my balances for 65 %. They further claimed they had no record of my police report. I'm offended that they couldn't care less about my situation and only want to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I already requested the original contract for validation, but still, no letters nor original contract have been sent to me. These accounts are still on my report and my request is still being ignored. I sent already a validation letter and an FTC report as the bureau requested. I am being ignored which shouldn't be the case as the law states that I am able to request a contract that they have on me with this company I listed.

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 2023-04-04
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a consolidated federal student loan with mohela and I qualify for PSLF under the limited waiver. Unfortunately, I can't seem to get my payment counts updated now for over a year despite multiple contacts with mohela and studentaid.gov. 

I applied for PSLF in XX/XX/2022. My employer was deemed qualified and I should have had well over 120 eligible payments under that employer at that time. However, my payments remain not fully counted now over a year later - specifically payments from XXXX have not been counted. 

I'm still not sure if this is a mohela of DoE problem. I have chatted and called with mohela and studentaid.gov more than 10 times over the last few months. I have escalated through mohela 's pslf line. I have filed a complaint through studentaid.gov. I have been told many different things, including that mohela recognizes that there is a problem and said they would fix it ( on XX/XX/XXXX over the phone with mohela they said all my counts would be updated within 14 business days, which didn't happen - this is documented in the notes in my account ). I chatted yesterday with mohela and they said to just wait longer. I called yesterday with mohela and again they said there was a problem that they would handle by sending an email to someone. I asked to speak with a supervisor and they refused. They also said that they would send me a form in the mail within 30 days so that I could send them evidence of my payments made and I might hear something back 90 days after that but there was no guarantee. I would appreciate any help resolving this issue. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-04-05
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XXXX, Direct Express closed my account and instructed me to contact social security to redirect my benefits. However, in XXXX, social security mistakenly sent my benefits to Direct Express, and they confirmed that direct express received the payment through a " cleared ACH transaction ''. Unfortunately, I have been unable to reach Direct Express by phone since XX/XX/XXXX, despite my numerous attempts. The automated phone attendant advises me to call back during non-peak hours, but even after calling hundreds of times throughout the day and night, I have been unable to get through to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An attempt to resolve a past due balance on a credit card account failed when Bank of America withdrawn an unauthorized amount of money from my checking account to bring the credit card account current.. An immediate charge-off followed without my knowledge. 
This occurred after payment arrangements was made with a bank representative. 

Bank of America decided to charge the account off and sale it to a collection agency because I did not accept a settlement offer that I did not greed too. 

I originally told them that I was a XXXX patient and became ill and was unable to work full time for a while which caused me to become delinquent. I have been with this bank for over thirty years however is in the process of switching banks to avoid any additional unauthorized withdrawals from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.

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 2023-04-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX IXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX FXXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/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 2023-04-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While the current complaint is against Nationstar Mortgage LLC XXXX Mr Cooper ; the original complaints through the CFPB date back to XX/XX/XXXX ( please see related complaints through this CFPB portal from me, XXXX XXXX ) started with XXXXXXXX XXXX XXXX  d/b/a as XXXX XXXX XXXX. o On or around XX/XX/XXXX, XXXX XXXX and XXXX entered into an agreement that impacts my real estate property. The current complaint against Nationstar is as follows : On XX/XX/XXXX they provided me a letter stating I was *confirmed* as successor in interest on the related debt obligation even though I am not related to the account holder { " XXXX XXXX and XXXX XXXX XXXX and never stated that I was. 

On XX/XX/XXXX I responded to them indicating the approval seemed to be based on erroneous findings, but no one has responded to my concern, It has been nearly 4 weeks and no response. Please see the attached XX/XX/XXXX letter and Filed Complaint. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: NV
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:
DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Conduent Incorporated
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On the date XX/XX/2020 my Louisiana unemployment benefits claim was approved for that week but my card unemployment debit card was received after my claim was approved. I activated the debit card but I still have not gotten my benefits for the week XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: IL
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:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX : {$1300.00}

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 non-monetary relief
Consumer complaint received 2022-06-04
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Pursuant to 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result.

You broke the law by furnishing this account on my consumer report. Pursuant to 15USC 1681 ( A ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report. This law also states reporting missing or late payments is NOT allowed.

Pursuant to 15USC 1692E ( 10 ) using deceptive means to coerce a consumer into paying a debt. You broke the law when you filed a 1099C but continue to ask me to pay on the alleged obligation by actively reporting a " charged off '' account to the consumer reporting agencies and garnishing payments from my bank account without permission. You also broke the law and committed identity theft when you sold my information to CONSERVE and had them CALL and harrass me until I agreed to pay on the alleged obligation. 

These errors may be assumed to be a willfully intent on misleading or deceiving the consumer of the character/amount of any debt 15 USC 1692e . ALL debt obligations and securities are owed to the United States 18 USC 8.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Randomly the Mortgage serving company changed my mortgage of 16 years. Now my principal portion is at {$140.00} down from {$460.00}. After many attempts to find out why I am asking for help from CF. The mortgage company is firm that the mortgage was modified and reset with high interest. 
I did not request a modification. I came out of forbearance in 2021 completely up to date and never expected a year later to see my principal payments be so LOW. 
All the servicer states/ insists is that the change is a result of a modification but I never agreed to a modification, only the forbearance program offered during the pandemic emergency.

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 2022-06-04
Company: Experian Information Solutions Inc.
State: GA
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:
Company- Experian Called and was stated to file complaint with FTC Fraudulent Inquiries : XXXX XX/XX/XXXXXXXX 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 2021-07-17
Company: EQUIFAX, INC.
State: GA
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:
The account listed below DOES NOT BELONG TO ME! I have asked the credit bureaus on several occasions to provide copies of the information they have on record, and they have failed to do so. These account is : 1 ) XXXX XXXX  XXXX Balance {$5600.00} This account was opened by an unknown party and I have the right, according to the Federal Government to see the data they are using to report this false information. My next step is to file a lawsuit in local court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
S W Credit System XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Attempted to collect a XXXXXXXX XXXX bill I don't owe. 
Amount {$290.00} FALSELY reported to the credit bureau 's. 
Never provided me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: SC
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:
To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ; and I noticed that this unauthorized inquiry had been made : 1. The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, 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 2022-06-04
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

# XXXX XXXX XXXX XXXXXXXX. 

# 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 15 U.S.C 1681 section 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-08-06
Company: EQUIFAX, INC.
State: NV
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:
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since Equifax was unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it. Remove XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-10-03
Company: Experian Information Solutions Inc.
State: AR
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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