BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: MOHELA
State: NC
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:
On XX/XX/2022 I requested a refund of all payments made to my student loans from Mohela in accordance with the CARES act. I have received 2 loan refunds in the amount of XXXX, but I am missing two payments for over XXXX that were made to XXXX. XXXX is no longer servicing the loans. I have since called XXXX, XXXX, XXXX, XXXX. XXXX XXXX I attempted to call and could not get in contact with a representative. It has been close to 5 months without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: T.S. Holdings
State: WV
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are too many instances to report about this slumlord that owns XXXX XXXX  XXXX XXXX in XXXX, WV. Basically, we lived here 7 years. In those 7 years, we always paid our rent early, except one time in 7 years we were late a few weeks. Long story short .... The office manager gave us a fictitious payment/debt owed ledger. We were appalled to say the least! We sent the office manager a large and fat manilla envelope with copies of our monthly rental payments. We even went to court over this. The judge threw it out of court. We gave our moving notice on XX/XX/2022 and moved out completely on XX/XX/2022. We owe nothing, but XXXX XXXX XXXXXXXX XXXX turned a fictitious ledger into a debt collector, and it has affected both our credit histories. 
We owe absolutely nothing!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was with XXXXXXXX XXXX and I was on the covid relief program when Rushmore mortgage took over my loan and did not tell me that they did not put me on the covid relief program and now they have gone back not only to the first date that XXXXXXXX XXXX put me on the program but also when they got the loan. They also have not given me any time to try and get a forbearance or anything of that nature and they have pursued foreclosure instead of pursuing contacting me so that I can stay in my home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-04-11
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my car broken into in my wallet stolen on Thursday, XX/XX/2022. There was {$210.00} taken out of my account using my stolen debit card. I called to report this to Chime, the bank, Immediately upon finding out. They advised I had to wait until the charge posts to the account. I waited until this happened and started a fraud dispute on Saturday, XX/XX/2022. I woke up Monday morning to see that my dispute was almost immediately closed and there was no attempt at contact or correspondence sent to me by chime. I called them immediately and they refuse to tell me why my case is closed, they hung up on me 3 separate times, and they refused to let me speak with the investigation team. I have attempted to reopen my case several times and immediately receive emails stating there is no evidence or cause to reopen. But then they wont advise what evidence is needed. Chime bank has not provided me any recourse to take not any explanation for their decision

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received letter stating I will have wages Garnished post marked XX/XX/XXXX. 
XXXX became subject to garnishment on XX/XX/XXXX of XXXX. Original debt is for {$1800.00}. Now is XXXX. 
Oregon statute of limitations is six years and debt collectors should not take person to court to sue to garnish wages.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 explanation
Consumer complaint received 2017-05-18
Company: BOK FINANCIAL CORP
State: NM
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:
I have a checking account opened with my son, XXXX XXXX at the Bank of Albuquerque branch office in XXXX XXXX, XXXX XXXX about 15 years ago. I I am XXXX XXXX XXXX and live on my Social security. I spend the winter months in XXXX as been my habit for.17 years. In order not to pay service charges I try to keep a balance of {$1400.00}. a month. My son and I try to use this account as little as possible for emergencies because of higher fees for ATM and service charges. So I always check the balance before I leave the country.. When I returned to the States I deposited a small check and checked my balance which was $ XXXX..I was referred to a Bank Representative named XXXX, who assured me this problem would be looked into and made copies of past statements. We quickly uncovered the unauthorized charges on my account by two companies I was not familiar with. On XX/XX/XXXX, I received a letter confirming charges refunded of {$750.00}. When I inquired about the additional charges and fees, I was told that The date for making that claim had passed prior to XX/XX/XXXX. I also spoke to a woman named XXXX when XXXX was unavailable who upset me quite a bit telling me my claim would not be honored due to late filing. Dispite having no knowledge of charges. Additional charges of XXXX and XXXX and service charges were denied by letter on XX/XX/XXXX. I never received an alert or notice from the Bank. I never authorized an ACH or any automatic withdrawal. The bank allowed access to my account to an unknown entity. And when my balance dropped below my limit continued to charge service fees.. My ATM card was never out of my possession until the card was cancelled. I y have tried to access my account many times but the web site locks me out and does not recognize my password. The format for logging on has been changed and I was not informed of that or that the Bank was acquired by another Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
1 ) XXXXXXXX XXXX {$2000.00} Loan Opened : XX/XX/XXXX ; Term : 36 Months ; Closed : XX/XX/XXXX XXXX ) XXXX {$1900.00} Loan Opened : XXXX XXXX, XXXX ; Term : 36 Months ; Closed : XX/XX/XXXX 3 ) XXXX {$910.00} Loan Opened : XX/XX/XXXX ; Closed : XX/XX/XXXX 4 ) XXXX XXXX {$1300.00} Opened : XXXX XXXX, XXXX ; Closed : XX/XX/XXXX XXXX ) XXXX XXXX {$3400.00} Opened : XX/XX/XXXX ; Closed : XX/XX/XXXX My identity was stolen through the deep/dark web ; my personal emails, my phone number, my private bank information, including passwords and usernames were used for the benefit of the theft individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: GA
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/2022 I sent a letter regarding an accurate 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 XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-06-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
im being charge a fee og XXXX every month even though ive used my card properly

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 2023-01-13
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:
I have submitted disputes to Experian, XXXX and XXXX regarding a collection that I know is not my account ( XXXX XXXX XXXX XXXX XXXXXXXX ) Unfortunately, the credit bureaus return the dispute results as " confirmed and verified '' I have submitted proof that I was a victim of identity theft. When I was first contacted by the debt collector, I explained that they had the wrong person and that I never have had service provided by them ( XXXX XXXX XXXX Believing they would investigate did not hear from them until I ran my credit and saw the account on my credit profiles. Submitted disputes in XXXX, in XXXX, in XXXX and in XXXX and account remains on my credit profile. This account does not belong to me.

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 2022-04-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was selling a table on XXXX XXXX  XXXX  for {$800.00}. XXXX ( XXXX ) messaged me if it was still available, I said yes. She said can I send you the money over XXXX. I didn't have it at first but noticed it was already linked to my bank account so I thought it would be safe. Then I got emails saying in order to get the {$800.00} I would have to upgrade my account to business which meant sending {$1000.00} to XXXX XXXX ( XXXX ) I only had {$500.00} in my account and sent that at first. Then {$110.00} and then {$380.00} to equal {$1000.00} then to clear everything they needed another {$200.00} which I gave because I thought I was getting it all back. Then I stopped when they wanted another {$300.00} for FBI fines that if I didn't want to be arrested I should pay. I kept getting emails from what I thought was XXXX and from her that told the same story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received medical treatment on  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  in  XXXX , OH. Never received any billing on this. I now have a notice from a collection agency dated  XXXX / XXXX / XXXX . I called the medical center directly on  XXXX / XXXX / XXXX . Informed them they never billed me. Customer service states multiple bills were sent and she only named some dates in  XXXX . Informed me they were sent to my current address of  XXXX   XXXX   XXXX ,  XXXX  OH. The problem is this address has only existed for mailing since  XXXX   XXXX  as it is a newly created address. So their customer service is using an address they just updated in their system but would not provide a reason why they did not bill prior to  XXXX  or actually use my real prior address I provided to them,  XXXX   XXXX   XXXX ,  XXXX  OH. I asked if this is now reported on my credit. The customer service person refused to answer this and told me I had to discuss with the collection agency.   XXXX   failed on billing and is the responsible party to correct the issue. I am dealing with   XXXX   and not the collection agency. I expect   XXXX   to be able to answer and resolve the issue because it is their failure on billing. If they or the collection agency reported this to my credit then  XXXX  needs to take the corrective action to remove this report on my credit and acknowledge they failed to bill properly. The bill is for {$690.00} and the collection agency ( Capia Partners,  XXXX  TX  )  is offering a settlement of {$590.00}. I am ready to pay the full {$690.00} as I would have if I was actually billed. I need   XXXX   to be accountable for what they have done to my credit and answer my question regarding my credit record. Customer Service at  XXXX  should not be refusing to answer my question on an issue they are at fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: FIRST MERCHANTS CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sold my motorcycle to someone I met through XXXX XXXX on XX/XX/2021. The buyer came from out of town and gave me what he claimed was a cashier 's check, the amount was {$12000.00}. The check says it is from XXXX  XXXX XXXX. I deposited that check the next day on XX/XX/2021 into my checking account at First Merchants Bank. 
I was contacted by a manager at the bank the following Monday, XX/XX/2021, to inform me that the check had bounced due to insufficient funds. My bank said they would try to run it again and they would let me know. I followed up with the bank on Friday, XX/XX/2021, and I was informed that the check had not bounced the second time and that the " higher ups '' had requested the physical check so that they could look into it. I was told that this was a good sign, and that we should know something in a week. I stopped back in on XX/XX/2021. The manager had not heard anything, which he said was also a good sign. So, while I was there, he called the " higher up '' who had requested the check, who told him that everything should be fine ; she said most of these things are figured out within a week. I was told that there should not be a problem. So, I waited a little longer to be sure. 
I returned to the bank on Tuesday, XX/XX/2021, and I was told by a different manager that the check had cleared and that they had collected on it. I asked very explicitly, " Does this mean it is now okay to spend that money? '' I was told yes. So, I used that money for a down payment on a new truck. 
Much to my surprise, I was buying dinner a month later on XX/XX/2021, and my debit card was declined. I checked my checking account, and it was plunged deep into the negative. My account had been charged {$12000.00}. The charge was for a check with an incorrect routing number. The same check that I had been told was cleared and collected on. 
I went to my bank the next day, XX/XX/2021, assuming it was a mistake. I was told that it was not a mistake and that there was nothing that they could do about it. I was told that there was no safety net or protection for this sort of thing. I was told to contact the police, and that there was nothing else that they as the bank could do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: ENOVA INTERNATIONAL, INC.
State: GA
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:
In XX/XX/2021, I pulled my credit report from XXXX  and XXXX  and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX XXXX to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and XXXX  directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Synovus Bank
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention a critical matter concerning a credit dispute with First Progress Credit Card ( " 1st Progress '' ). Despite repeated attempts to resolve the issue, First Progress has failed to provide a response or undertake corrective actions as mandated by the Fair Credit Reporting Act ( FCRA ). The purpose of this correspondence is to formally document the aforementioned issue and request your intervention in rectifying this matter. 

Account Information : Account Number : XXXX Alleged Charge-off Amount : {$150.00} XXXX wish to emphatically state that I have never maintained or held any form of credit card issued by First Progress XXXX Notwithstanding this fact, First Progress has reported the alleged charge-off of {$150.00} on my credit report, which is not only inaccurate but also severely detrimental to my creditworthiness. 

Furthermore, I have made diligent efforts to rectify this erroneous reporting by sending XXXX written disputes to First Progress on the following dates : XXXX. XX/XX/2023 XXXX. XX/XX/2023 Regrettably, I have received no response or acknowledgment of these disputes from First Progress. This consistent lack of engagement and the failure to adhere to the statutory obligations prescribed by the FCRA compel me to seek your assistance in addressing this matter. 

It is evident that First Progress has not complied with the requisite standards and best practices in the credit reporting industry. Their continued refusal to acknowledge and rectify this error has far-reaching implications for my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation