BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

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 2023-02-14
Company: MOHELA
State: NY
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:
Hello, I reached out to Mohela on XX/XX/XXXX to inquire about the status of my PSLF. It has been well over 90 days since I submitted my application from XX/XX/XXXX so there should be an update. On XX/XX/XXXX, I saw this status update : XX/XX/XXXX Duplicate Form A duplicate application was processed as Canceled. 

I immediately called on XX/XX/XXXX to inquire about what the duplication application cancelled status was about. I stressed to the representative that I have thoroughly checked my application over a dozen times and there was no duplicate application. I stated that everything is dated from my years of employment XXXX - present. She informed me I was correct and there is no duplicate application and she is unsure why that was written. She also informed me my XXXX were processed XX/XX/XXXX and she confirmed she will write a note in my account. When I logged back on Mohela, I see another status update : XX/XX/XXXX Received in Process Please allow up to XXXX business days for processing. A notice will be sent upon completion. 

I message Mohela to follow up, requesting clarification. Am I to understand that I have to wait another 90 days before I get another update regarding my PSLF status? I don't understand how I have to wait about 6 months now to get an update on my PSLF when there was no error from my end. I asked for this confirmation in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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:
I decided to check my credit report, and I noticed some unauthorized an unrecognized inquiries. 

( XXXX, they are as followed : ) 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, THEY ARE AS FOLLOWED : ) 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 ( Equifax they are as followed : ) 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 matter of fact, any inquiry made in XXXX, or XXXX of XXXX is unauthorized an unrecognized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
HI, I submitted my PSLF loan forgiveness application in XXXX. It is now XXXX, and I just received a letter saying that a signature needed to be resubmitted. I have done so, but am trying to find a way to have this not take another 6 months to go through the system. Hoping for help to bring this to their attention and not further slow down my application for aid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I lost my card and someone took my money out on atm on two different date with total {$400.00} I filed two fraudulent claim on XX/XX/XXXX for two atm withdrawal transactions. XXXXTransaction, ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ATM ID XXXX CARD 4548Amount, {$180.00} XXXX, ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM ID XXXX CARD XXXXAmount , {$220.00} and after Wells Fargo investigated they closed and denied my claim and I called in and asked them to check atm camera video then they will know it's not me processing that transaction but they refused to do so and give me my {$400.00} back

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 2018-12-28
Company: Experian Information Solutions Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I applied for an auto loan from XXXX to purchase a XXXX vehicle. The credit was denied due to a credit freeze on my Experian Credit Account. I had placed the freeze in XXXX after becoming a victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX I tried to remove the credit by both phone and online. I was instructed each time to write a letter to remove the freeze. I wrote the letter and received confirmation from Experian that the Credit Freeze was lifted on XX/XX/XXXX. I left my fraud alert in place on my Experian account. On XX/XX/XXXX I reapplied for my auto loan and again was denied credit due to a freeze on my Experian account. I contacted Experian and confirmed the credit freeze was removed. I then called XXXX and shared that the credit freeze was not in place that there is a fraud alert and they should receive a phone number to reach me for confirmation of the loan application. XXXX was not able to help. I contacted Experian again and they suggested that XXXX contact Experian and that I wait a few days and reapply. I reapplied on XX/XX/XXXX with the same results. I repeated this process again XX/XX/XXXX and was again denied credit due to a credit freeze on my Experian account. I escalated the issue to an executive account resolution officer ( XXXX ) at XXXX. XXXX called Experian and connected me on a conference call with the Experian representative ( XXXX  ). XXXX verified there is no credit freeze and could not explain why XXXX was not receiving a credit report with fraud alert procedures. XXXX recommended I remove the fraud alert so XXXX could obtain a credit report. This essentially leaves my credit unprotected unless I purchase a credit protection plan form the very company that is providing the information. I was denied the loan and am forced to finance through another bank that does not solely rely on Experian. I asked XXXX at Experian for a supervisor and she refused me stating they would provide the same information as she did.

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 2023-12-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTICED ERRORS AND VIOLATIONS ON MY CONSUMER REPORT AND MADE CREDIT CONTROL SERVICE ( 3RD PARTY DEBT COLLECTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CREDIT CONTROL SERVICE WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING FASLELY REPORTED TO THE CREDIT BUREAUS THAT AN AMOUNT OWED OF {$220.00} IS OWED. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF H

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, My Citibank card ending in XXXX was set on autopay for my wifes engagement ring insurance and charged on XX/XX/XXXX. The card was charged {$57.00} for the year and there was no previous balance. 
On XX/XX/2021 Citibank received a payment from my bank in the amount of {$57.00}. This payment would have brought the balance down to XXXX. Unfortunately the payment was made 3 days late and as a result citi charged my account a {$29.00} late fee. 

I did not realize that I had been assessed a late fee until I checked XX/XX/2021 and Citibank had charged a {$40.00} late fee on top of the previous late fee. 

I reached out to customer service and asked them to assist with a potential refund of both late fees since the account does not have a history of late fees and the card is at a XXXX balance. Customer service did not waive both late charges. They waived the {$40.00} late fee but made me the {$29.00} late fee. I still feel this to be a predatory practice as Citibank could have waived both late fees especially considering the account is now back to a XXXX balance.

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 2018-12-29
Company: AES/PHEAA
State: HI
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 student loans were placed in a " forbearance status '' after I requested assistance in XX/XX/2018 due to temporary financial hardship. On XX/XX/2018, credit monitoring service notified that I was 90 days late on 3 student loans. After contacting XXXX XXXX, they stated that the account was currently in " forbearance status '' but had not previously been. This issue seems to be a clerical mishap and is greatly effecting my credit score as the single payment was distributed/reported to 3 individual loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive already made my complaint about on unauthorized inquiry with the ftc I have not received a response and would like to get this issue solved it has been effecting my credit score for sometime now

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please note, this is not a duplicate complaint, and I DO NOT USE any third party for this matter. I represent myself by myself. I have sent my dispute to Transunion numerous times, but Transunion has rejected my dispute and keep sending like accounts that I have disputed are verified, how they can be verified if Original Creditors have not even received a request from Transunion, which was confirmed to my by Creditors in written letter. 
The account I'm disputing is XXXX XXXX - XXXX, this account is posting on my report with NO TERMS, with wrong data, and this account has been involved in litigation and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW, 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 
Next account is XXXX XXXX - XXXX XXXX, 2016 - the date of opened is incorrect. This account is totally incorrect : no terms, Payment History Last payment No Info Current Payment Status Current - How it can be current and at the same time closed? 
Amount past due {$0.00} XXXX XXXX XXXX XXXX XXXX, Transunion MUST TO REMOVE THESE INACCURACY accounts from my report immediately. It is violation of FCRA laws to report incorrect information on my 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been writing in and calling explain that i am a victim of fraud I do not have an account with this company and its been almost four months of me waiting on proof of validation. they can not provide it and I still have the issue of false reporting on my credit reports which is offensive and in violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: OH
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 have not provided any written instructions to allow any Consumer Reporting Agency ; XXXX, Equifax, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

XXXX : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was discharged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting ( 2 ) late payments XXXX reporting without my consent XXXX : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. Close Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXX Ohio XXXX any other address needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Early in XX/XX/XXXX, I accidentally found out that our BoA credit card balance had been charged twice ( back-to-back days ) to our BoA checking account. We called a few times to have the error fixed and, eventually, one of the two balance charges was correctly returned to our checking account. In XX/XX/XXXX, however, the problem recurred ( XX/XX/XXXX and XXXX : USD XXXX ). We called several times and, eventually, on XX/XX/XXXX one of the two balance charges was both refunded to our checking account and yet recharged to our credit card new balance as " returned unpaid '' ( as well as interests and fees ), now nonsensically due on XX/XX/XXXX ). We called again, were told that it would be fixed, but never was. Even worse, the same problem recurred in XX/XX/XXXX ( XX/XX/XXXX and XXXX : USD XXXX ). Once again, we called several times, the balance was returned and yet re-recharged to the new balance of our credit card ( due in XX/XX/XXXX, we believe ). At that point, we looked back ward till the beginning of XXXX and found that, unbeknownst to us, our credit card had been charged twice to our checking account even in XX/XX/XXXX, but on the phone we were told that, after 12 months, that charge was no longer refundable. We even went to our local BoA branch, but were told they have no access to our credit card account and could not help us. This whole 18-month long ordeal is a scandal. BoA, from time to time, charges our checking account twice the balance of our BoA credit card.

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 2019-09-25
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Afni has re-aged my a account on my credit report. They have the account opened in XXXX of 2019 I did not have right to dispute nor receive any letters from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Central Portfolio Control of XXXX MN sent me a letter supposedly dated on XX/XX/XXXX, but which I only received today ( USPS standard for first class mail delivery is 5 days ), in which the included the following sentence : " As required by law you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. '' This threat is false and or illegal. As of XX/XX/2022, medical debt less than {$500.00} is NOT REPORTABLE by the credit bureaus. Accordingly threatening to damage my credit using a method that is no longer possible is a false, misleading or potentially fraudulent collection tactic. 

The debt in questions, which I do not recognize as legitimate and have been disputing for years, is medical debt ( hosptial charges ) in the amount of approximately {$210.00}. Central has provided no original documentation to backup their claim, which I vigorously dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I learned that my Chase credit card had been denied. I called customer service and they told me that they couldn't tell me anything over the phone. I went to a Chase branch to speak to a banker in person. I learned that Chase had decided to throw me out as a customer for all of my accounts. They could not tell me why and there was no appeal and I was barred from doing any business with Chase for life. I was told that my checking account would be closed within a week or two. I moved all of my cash from savings and brokerage accounts into my checking account that evening. 

On XX/XX/2023, I created an account with XXXX XXXX and wrote a personal check to close out my checking account. On XX/XX/2023, I received a phone call from XXXX XXXX ( while at work ) notifying me that my check was denied by Chase. On the morning of XX/XX/2023, I went to my local Chase branch and learned that in spite of what I had been told in person on XX/XX/XXXX, Chase had in fact closed my checking account on XX/XX/XXXX. The local branch manager was able to override the closure in order to issue me a cashier 's check to close out my account. I then immediately deposited that cashier 's check into my XXXX XXXX account and this time it cleared. However, XXXX ended up charging me a {$12.00} fee for a returned check. 

I searched the internet and they listed activities that may lead to a bank removing someone as a customer, but I had done none of the things listed. It turns out that the XXXX XXXX XXXX did an article about this detailing banks removing hundreds of thousands of customers. See : XXXX XXXX XXXX Although the article used the term " banks '', the only example given in this article was a Chase customer. 

To be fair to Chase, they claimed that they had sent me a warning letter on XX/XX/XXXX. I never received it and since my local post office sends me email each morning with a list of mail to be delivered that day, I checked and up to XX/XX/XXXX there was no mail from Chase that made it to my local post office that was addressed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: ZIONS BANCORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had changed my card number at Zions Bank for a security issue and somehow companies I no longer do business with have obtained the new card number ending in XXXX without my authorization. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX NY {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CA {$18.00} In addition, the card number was obtained by XXXX XXXX XXXX XXXX without my authorization. I wish to continue to receive this subscription. 

Zions Bank, XXXX XXXX XXXX, UT claims they did not give the number out.

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