BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
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: Information belongs to someone else

Complaint:
I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, transunion and XXXX regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.

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 2023-10-17
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX. They have erroneously processed my IDR Forgiveness incorrectly. My loans were consolidated on XX/XX/XXXX and completed a consolidation add on form on XX/XX/XXXX. I received confirmation from XXXX dated XX/XX/XXXX that it was received and processing, and the balance of my XXXX loans with MOHELA increased by XXXX while the balance of the loans included in the add on form reduced to XXXX. My Federal student loans with MOHELA were forgiven through the XXXX XXXX time adjusmtent, however the XXXX that was added on to the consolidation was not included in the forgiveness. With the XXXX time adjustment I should have credit for all periods prior to the consolidation for the full balance.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX acct # XXXX Showing 5 late payments listed below XXXXXXXX XXXX XXXX XXXX  XXXX XXXX this in correct, these payments were not 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 2023-09-14
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital has listed a collection account on my consumer reports and damaging my credit / credit score. I have never done business with this company. Company claims that I owe them money in the amount of {$450.00}. Jefferson Capital sent sent me the attached offering payment options of charges owed to another company. Jefferson Capital has not provided any contract or assignment to which they are a party to. I have disputed with the company. They have damaged my consumer reports, by reporting this inaccurate, false information. I have submitted a report to identity theft.gov with these facts and attached herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am currently in XXXX XXXX, but I work for a local government and will qualify for public service loan forgiveness this fall. My account was switched to " in-school deferment '' status in XXXX. I first messaged Mohela to request that the in-school deferment be permanently removed from my account on XX/XX/23. When I messaged, it stated that my message would be responded to witXXXX XXXX XXXXess days. It was never answered. I placed follow-up calls to Mohela on XX/XX/23, XX/XX/23, and most recently, XX/XX/23. On the last call, the rep stated that she put in the request to have the deferment cancelled, but it would take 2-3 business days. This is the 3rd business day and it is still there. I have faxed and messaged multiple requests to remove the in-school deferment and to revert XXXX and XXXX to XXXX forbearance. The request I sent on XX/XX/23 is marked in my file as APPROVED and XXXX and XXXX are now listed as qualifying payments, but my account is STILL on in-school deferment status. XXXX and XXXX should be my XXXX and XXXX qualifying payments, yet Mohela is refusing to cooperate so that I can make my last two loan payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  account # XXXX in my XXXX and Transunion report has violated my rights. XXXX account # XXXX on my Transunion report has also violated those rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

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

Company 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 2018-01-13
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Quicken Loans to remove the hard inquiries from dates : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was contacting us weekly for months via email and telephone giving us directives and requirements that we would continually meet, but would deny us the pre approval until we did something else. We finally told him to stop contacting us. The pre authorizing inquiries were suppose to be soft inquiries that would not effect our credit. When I contacted Quicken Loans to have the hard inquiries removed due to being mis informed of the effect of what XXXX XXXX was doing we were denied the removal. Several times during all of our contacts I asked him why he would continue to contact us if he thought we would not get approved for a loan and he would tell us that we were so close and just need to " hang in there ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CA Bank and Trust has been dragging their feet on this workout request for months. At issue is when documents are sent in the documents aren't reviewed for weeks which is a violation of RESPA guidelines. By the time CA Bank and Trust finally gets to the documents a month later the documents are expired. This is an unacceptable violation and must CEASE and DESIST IMMEDIATELY. 

I expected CA Bank and Trust to IMMEDIATELY escalate my file to a supervisor and have my request reviewed and send me a modification agreement. They've had enough documents sent to fill up library. Their gross financial negligence on my home is unacceptable.

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 2019-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX  AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT CAR LOAN IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS CAR LOAN WITH WELLS FARGO DEALER SERVICES. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.

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 2023-06-22
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:
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. 

Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 2023-02-08
Company: Experian Information Solutions 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 XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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: Experian Information Solutions Inc.
State: GA
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:
Failure to report accurate and factual information. 
Also failed to investigate ( even though they stated ) it verified. 
Violated my consumer rights via FCRA 623 ( a ) ( 3 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I received a call from Bank of America 's fraud department inquiring as to whether I had made a {$1000.00} ATM withdrawl the day before XX/XX/2021. I informed them that I had attempted to make a withdrawal at the XXXX XXXX BofA location but i received a " insufficient funds '' notice. I figured I had certified for benefits to late on Sunday and the money didn't transfer that monday morning. I was driving to the ATM the following morning, Tuesday XX/XX/XXXX when i recevied their call about fraud. They informed me that someone had done a {$1000.00} ATM withdrawal around XXXX in XXXX XXXX , CA at at BofA ATM. They also had done balance inquiries that day at a XXXX in XXXX XXXX I was told. They froze my card, took a claim, issued a claim number, told me i would receive a provisional credit within 10 days although the investigation could take 45 days, and said they would XXXX me a new card. A few days later i received the new card, i was not able to activate it online so i called BofA and was transferred to the fraud department who put me through several identity checks and then activated my card. The following day i received a letter in the mail from Bank of America dated the exact same day i filed the claim stating " the above listed claim has been closed ''. Clearly they did not investigate and pull HD video surveillance from the BofA ATM, analyze the case, generate a letter and mail it on the same day, anyone that deals with Bank of America knows that unless it's them receiving payment, nothing happens that fast. I called back at that point and was informed that when my new card was reactivated that the claim was reopened whoever they claim they are no longer held to Reg E or their zero fraud warranty because they made an initial determination that I was the source of the fraud. This is consistent with literally thousands of stories in online forums, network news TV investigations and three class action lawsuits filed for the exact same reason, Bank of America is systematically closing investigation cases without even looking into them to try to circumvent Reg E laws about provisional credits. They then are putting the burden on the consumer and slandering the card holders like myself by claiming I defrauded Bank of America. I thing is egregious that regulators continue to allow Bank of America to operate outside of Reg E and willingly and knowingly breach the cardholder contract and it's " zero fraud '' guarantee.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX  XXXX CO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX 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 2023-01-05
Company: BARCLAYS BANK DELAWARE
State: PA
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:
I purchased XXXX airline tickets frontier airlines on XX/XX/2022 to travel to XXXX airport XXXX XXXX Florida to depart from XXXX on XX/XX/2022, hurricane ian hit and airport shut down for one week.i used my Barclay credit card, i got refind XXXX XXXX. Yet i was looking at my Barclay credit card statement XX/XX/2022 statement and i was charged XXXX from frontier i immediately called bank. As i never ever received any documents that i was going to be charged. They told me to write a letter, i sent certified, i was bounced back and forth, i called XXXX. Barclay bank does issue credit cards for airlines. BARCLAY BANK IS IN COLLUSION WITH FRONTIER. I want my XXXX refunded no one could fly, there was no electricity, the airport shutdown over one week. Im over 65 years ol. I didnt cancell. Please shut down barclay card and fine them. Frontier airlines are scammer, but when your bank cheats you its pretty bad.

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 2023-08-17
Company: EQUIFAX, INC.
State: MI
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 Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( 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 1681 c. ( 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 2023-08-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00}

Company response to consumer: Closed with explanation