BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My information for Public service loan forgiveness was sent to Mohela from XXXX  XXXX XXXX and listed as processed on XX/XX/XXXX. I had already been certified for 117 payments by XXXX  XXXX back in XXXX, XXXX. 

My mohela payment tracker was not updated accurately. I was informed in late XXXX, XXXX that mohela had nothing from XXXX  XXXX and to resubmit forms, which I did by XX/XX/XXXX. I was promised 90 days to process. In XXXX, XXXX, my PSLF forms were listed as processed but inaccurate payment tracker counts and missing dates ( XXXX, XXXX through XXXX, XXXX completely missing ). Also missing over 2 years of payments for which I submitted employment certification forms. By XXXX, XXXX, I had already called on 8 different occasions to obtain accurate updates. I was told on XX/XX/XXXX that an employment form was misread and instead of 24 months of certified employment, it was recorded as 1 month and for the wrong year. I was also told to wait as I had been told all the times previously for the payment tracker to be updated, that the same form I had submitted 5 months prior had to be re-processed. 

I submitted all the required paperwork and employment certification forms for over 120 payments ( of 156 eligible at this point ) but due to repeated, multiple mistakes on MOHELAs part, I am still waiting. My account is still inaccurate despite multiple calls to correct it. My forms should have been processed in the promised 90 business days back in XXXX, XXXX. I refuse to wait another 90 days every time Mohela miscounts the dates on my employment certification. 

If this was any other type of customer service, it would be appalling. I have submitted certified employment proof of at LEAST XXXX20 payments of 156 eligible payment periods. I should not have to wait beyond the promised 90 days, especially when the REPEATED and seemingly intentional mistakes are by Mohela. Every time I call, the re-processed form was somehow grossly misread, resulting in mohela telling me to just wait another 90 days.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2021-05-23
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Binance duplicated one deposit into 3 deposits on XX/XX/XXXX. So instead of {$400.00}, they took {$1200.00} from my bank account. I tried emailing them for weeks, but they won't get back to me. 

So my bank disputed the extra charges, then Binance deducted funds XXXX {$600.00} XXXX from my account. 
Then, they blocked my account from buying or selling or withdrawing money or cryptocurrencies. So I couldn't sell or get my money out of that account. 

I tried contacting them so many times, telling them I need my account back so I can sell my coins and not lose more money, i even told them to please just deduct whatever you want from my account and let me get my money out, I tried emailing them to ask them to help me get my money and close the account. I tried emailing them so many times, they never answered my emails and requests. 

Now I keep losing money and they won't even let me get my funds out of there, and they won't answer any emails. They don't have a phone number neither. They have locked my funds. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: VW Credit
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My credit report was dinged by Audi Financial Services unnecessarily. Audi Financial Services had my email address at XXXX, and was never able to contact me to let me know my payments were not going through. The reason my payments were not going through is because it is a company car that is paid for by our company, and our business changed bank accounts after being acquired. After the acquisition, I updated the bank information and made a payment, but Audi never informed me that autopay wouldn't be reenabled, which is ridiculous. i have made every payment on time on the same day every month, and no one ever even gave me the courtesy of telling me that my payments were not being made and that autopaid was turned off. Instead, they went straight to dinging my creditr report, which I didn't uncover until I went to apply for a home loan, for which I was denied purely because of the dings by Audi Financial Services. 

There were two payments that were late for XXXX and XXXX, and they were for about {$800.00} each. 

In the attached photo, I took a screen shot that shows Audi Financial Services had XXXX as my gmail. Any competent agency should know that the email domain XXXX XXXX '' is a typo ( on their end by the way when I leased the car ), and should have made an effort to find or fix the email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
. I deposited a check at Huntington Bank on XX/XX/2023. A day later the check was rejected due to endorsement issue. I went back to the branch where I deposited, and they returned the check to me. 
. On XX/XX/2023 I took the same check to XXXX bank, deposited, and everything went smooth. I made a car payment. Two days later my XXXX account was overdrafted by XXXX XXXX XXXX bank told me my check was process by the 1st institution. I went back to Huntington they told me the check is on Hold due to endorsement issue, and that my wife has to sign and notarized an endorsement released form, and of course my wife did all of that, but the Huntington manager failed to submit the paperwork to Huntington hold department. Now I don't have the money deposited, and my XXXX account is overdrafted, and they are charging for overdraft fees. 
I want you please to step up and get me my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : 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 2023-10-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
During one of my frequent checks with the XXXX major credit bureaus, I learned that Experian has my mother 's name listed on my credit file under " aliases '' and that makes no sense to me at all as I've never used my mother 's name or information, nor do I even know her social security number. I reached out to Experian back in XXXX and as far as I knew the matter had been cleared up entirely, until my mother asked me about a week ago why her name is on my credit file when she was checking her credit scores separately. There is a record of my disputing it with experian, with a status of " updated '', however, my mother 's name is still listed in the same place as an " alias '' of mine.

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 2017-11-21
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I RECEIVED A CALL YESTERDAY FROM A RANDOM COLLECTION AGENCY WHOM LEFT A MESSAGE ON MY VOICEMAIL. WHEN I RETURNED THE CALL THEY ASKED FOR MY PHONE NUMBER AND NAME AND THEN STATED THEY HAD DIALED MY NUMBER BY MISTAKE. ON XXXX IT STATES THEY ARE HIGH RISK FOR SCAM AND OR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: LendingUSA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I made the payment for my loan, 2 days later I got an email saying my payment was late so I went on and made the payment again. Next day I realize I made XXXX payments, I called lendingusa and asked if they could move the additional payment to the following month 's payment and I was told yes no problem. XX/XX/XXXX I get an email that my payment is late. Today I called lendingusa and I was told my request to move my payment was denied and they applied it toward the principal. I asked to speak with manager XXXX and he told me there is nothing he can do about it and I need to make the XXXX payment. I asked him why was I not contacted and told this so I could have requested a refund and then used it to pay my XXXX bill and I was told that's not there responsibility. How is it not when I was told my payment would be moved to the XXXX payment. But they kept my money and made interest on it and now want me to make another payment. I told them you can refund me my money and I'll pay my XXXX bill with it. Then I was told that will take XXXX weeks and then you will have a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XXXX XXXX XX/XX/2021, I was charged {$75.00} twice per month by XXXX for traffic ticket resolutions. The company never represented me or resolved either of my two warrants that resulted from their inaction. I reported this to chime and they opened an investigation that according to them resulted in no error. I followed up with a rebuttal and supplied all of my supporting documents that clearly showed that nothing was done by XXXX to clear my warrants and I was definitely scammed out of {$520.00}. I produced all invoices and receipts and documents of my warrants that remain open. Chime insisted no error was made and, not only closed the case, but also closed my account. Ive also done all that I could to resolve the issue with the merchant but they refuse to respond, answer the phone or reply to messages. Their website is still active and they are likely scamming other individuals as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXXXXXX XXXX  Account # XXXX and US Dept of EDU Account # 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

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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2019-10-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received a bill on XXXX/XXXX/19 from Synchrony Mastercard stating that I owe {$29.00} and that {$27.00} is past due. I do not remember making any purchases on this card and had not seen a bill prior to this one, so around XXXX on XX/XX/XXXX I visited the website and attempted to log in, but got a message saying that the information was incorrect. I tried to use the option " find user ID '' but received an error message telling me that my account number and zip code were invalid. I attempted this option a few more times in case I had entered any information incorrectly and each time got the same result. I also attempted to use their online chat option. It gave me a " virtual assistant, '' that told me it couldn't help me and when trying to connect me to a representative told me that no one was available. At XXXX XXXX I called the customer service number listed on the website ,XXXX. It took a couple of minutes to speak to anyone because the automated service also did not recognize my account information, but eventually I spoke to XXXX at this number. After giving XXXX my information he informed me he couldn't help me but transferred me to XXXX, where I spoke to XXXX. When I gave XXXX my information he told me I would need to speak to someone in internal review. He transferred me, but also gave me the number, XXXX. This number rang a few times and then the call disconnected. I attempted to call this number back at XXXX. It rang, connected to dead air, and then the call was disconnected again. At this point I attempted another number XXXX, where I talked to XXXX. She informed me that she was unable to help me due to the type of card I held, so she was going to transfer me to someone else. Before she transferred me I explained that I understood she couldn't do anything, but I told her I had been unsuccessfully trying to contact someone and asked if I could have another number to someone who would have access to more accounts or that could better help me. She connected me to another number, but also gave me the number XXXX. After she connected me to the other number it disconnected. At XXXX I attempted the XXXX number. This number did not connect me to a person, but instead listed off several offers that it said, I " might qualify for. '' at that point I began searching for other contact information and then found the XXXX site. After finding the XXXX site I no longer attempted to try to contact the company on my own.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2017-11-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I accepted 3 student loans from XXXX XXXX in order for me to attend XXXX XXXX school in XXXX, Tx in which has closed. 

During the lifetime of these loans they have been deferred due to in school deferment and/or forbearance due to being unemployed and unable to pay money towards the loans. 

In XX/XX/XXXX I was XXXX XXXX XXXX and XXXX XXXX XXXX due to this devastating time I was unable to attend school and work. Therfore, I called XXXX XXXX ( now Navient ) to get my 3 student loans accounts in forbearance. The representative advised me that she placed a  forbearance on my account and it would cover up to 90 days of past due payments if any were reported as past due. However, once the accounts were transferred to Navient they claimed the account was not notated with this information so they began to report all 3 of my student loan accounts as past due. I have requested several times for the call to be pulled and reviewed, but Navient refused to listen to the call and investigate this concern further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is XXXX XXXX and therefore it needs to be taken off me. The balance is XXXX is not accurate in any measure. I need this taken off because it is not something that needs to be on here and its inaccurate .charges need to be removed and it needs to be listed as something that can be handled. The balance needs to be from written off to all the way closed. The card need to be handled in any concerned and i would appreciate any help you can assist me in. I need you to help me get this off my credit report due to the issue being at hand.

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