BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: LA
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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureaus, or provide me with the exact source where did the Credit Bureaus received such information, so I may take appropriate legal action. I have read that the Credit Reporting Agencies are required to remove the fraudulent information that resulted due to identity theft. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I need the Credit bureaus to send me copies of proof of verification or any documents bearing my signature to support their claims. I need the following items deleted from my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
Confirmation # XXXX Equifax, I disagree with your investigation results ; they do not abide by the FCRA therefore this investigation is incorrect. Equifax, you cant keep verifying that the item has been reported correctly. Equifax has been updating the same accounts as verified as accurate for several months now. 
*Attached is a copy of the USPS log of letters sent to Equifax about these accounts. 

According to sec. 314 of FCRA Equifax can not verify these accounts without providing the consumer with all the verifying documents. 
Account statements legally do NOT count as verification. 

Equifax has surpassed the 4560-day investigation window for these accounts. 
Equifax has verified the same accounts over and over again for 6 months and they are not 100 % accurate. Is this against the law? Yes. 
These accounts have accumulated interest since the initial dispute process began which is against XXXX. This is against the law. You are committing a crime. 

Has the lender claiming this account belongs to me sent you the signed contract between us? No, there is no contract these accounts do NOT belong to me. Equifax must delete these accounts, stop verifying fraudulent accounts. Did Equifax hire a third party to conduct an outside investigation abiding by the FCRA? No. 

How long are we going to go back and forth about the same accounts. Equifax have failed to follow the FCRA, you update inaccurate accounts, disregard my disputes, and fail to provide any legal document to tie me to these accounts. 

Who is verifying these accounts? Does my name XXXX XXXX XXXX XXXX XXXX along with my signature appear on a contract with these institutions? 
Does my employment information and phone number and address match? 

Equifax enough with your games you have damaged my creditworthiness which has resulted in denied credit. Equifax must delete these accounts ; this is my last attempt before I seek legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
{$95.00} annual fee was charged to my Bank of America Premium Rewards Credit Card ending with XXXX on XX/XX/XXXX. I closed it on XX/XX/XXXX by phone. The customer service rep who helped me close it, promised me that the {$95.00} annual fee will be fully refunded. But after a few days, I have not seen the refund posted to my account. So I contacted Bank of America again by phone on XX/XX/XXXX. I spoke with a customer service rep and his supervisor. Both of them refused to refund me the annual fee. 

I have been banking with Bank of America since XXXX and I know their policy very well. This is my 4th credit cards with them and the annual fee of all my previous cards were fully refunded or waived after I closed them within 30 days or 1 statement period, which is also the policy of a few big credit card companies or banks, such as XXXX XXXX, XXXX, XXXX, etc.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several

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 2023-12-13
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: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. XXXX, XXXX, and Experian are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( XXXX ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, not Experian, XXXX, or XXXX. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of XXXX 
15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.

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 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX I was presented with an offer in the Capital One mobile app offering me 6 months of XXXX XXXX ( premium {$9.00} monthly service ) credits if I signed up. I signed up and cancelled early ( XX/XX/XXXX ). 5 months later I was presented with an identical offer stating another XXXX  months free of XXXX XXXX credits were available to me. This advertisement insinuated that this trial was available again to me for another XXXX  months. I signed up again in XX/XX/XXXX by clicking the promotional advertisement that was re-offered to me for XXXX  months free. I received my XX/XX/XXXX reimbursement of {$9.00} but never was reimbursed for XXXX, XXXX, or XX/XX/XXXX for total charges of {$29.00}. I called Capital One XX/XX/XXXX asking about this reimbursement and they informed me that I had already used the promo trial and I will be responsible for the remaining months, despite presenting a promotion insinuating that I'm eligible for another 6 months. They agreed to credit one month for {$9.00} but not the remaining months. I feel this promotion was completely misleading and false. Had they not presented it as another 6 months of the credit ( 5 months after I had already cancelled the trial ) I would never have clicked on it. I would expect them to change their promo to myself and others who have cancelled mid trial to state something like " You have 2 months remaining of credits '' and not present in a way that you have another 6 months. I'd also expect them to reimburse me for this misleading marketing. 
Capital One employee who helped and case number listed below XXXX XXXX ID XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified these account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXXXXXX 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 2022-09-13
Company: EQUIFAX, INC.
State: VA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit

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 2021-10-29
Company: T.S. Holdings
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: Account information incorrect

Complaint:
On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from The XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX  XXXX  ( XXXX XXXX XXXX XXXX XXXX in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with IQ DATA debt collector. ID DATA demanded money and would not hear me out that The XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. IQ DATA then reported to the credit bureau and I have been trying to resolve and dispute this for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After contacting the Department of Education and detmermining unauthorized student loans were taken out in my name i was advised to communicate directly with the student loan servicer Navient. Navient 's fraud dept requested that I complete an ID Thief Affidavit form in order for them to investigate the case. I filed a police report with the XXXX   College 's police dept on XX/XX/XXXX to report the fraudulent loans. On XX/XX/XXXX I filed a Federal Trade Commission ID theft report with the XXXX  College police report attached. This report was sent to Navient via Certified mail, including account numbers, detailed information regarding my identity, my claim and a Notary Seal. On XX/XX/XXXX I received a letter from Navient dated XX/XX/XXXX which stated that Navient closed the case because they were unable to confirm my claim. I contacted Navient for an explanation of the letter. Navient 's fraud dept agent ID # XXXX, started the case on XX/XX/XXXX. On XX/XX/XXXX, the agent insisted I i was required to grant Navient access to a third party entity in order for their investigation to proceed. On XX/XX/XXXX Navient closed the investigation due to " Insufficient information to determine fraud. '' This would mean the case only remained open for 13 days. The initial time frame given was 30 days for the investigation to conclude/proceed. In lue of this time frame not being upheld, I received communication from XXXX  XXXX XXXX XXXX dated XX/XX/XXXX. This notice advised me of a XXXX interest charge and a XXXX collection fee in addition to the Principle Balance in question. I received a Master promissory note via Navient, outside of that I have yet to receive any documentation regarding the validity, application of the loans, documents used by the person that took the loans out, or any other pertinent information to further assist in my research as well as the ongoing investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I have been on hold or unsuccessfully transferred for over XXXX hours. Ive attempted to reach the correct party on XXXX separate phone calls and have been disconnected once even after authorizing them to call back in case it gets disconnected. Whats the purpose of this feature if you wont call back??? This customer service is DEPLORABLE considering the amount of money involved. I need a refund of the interest Mohela has been collecting despite being under an administrative forbearance since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: WI
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 account is currently in administrative forbearance, which Mohela placed me in for unknown reasons. I regularly log in to my online account to check that the forbearance is still active prior to my usual payment date to ensure I don't miss a payment. I am pursuing PSLF, so this is very important. 

When I logged in on XX/XX/XXXX, my account showed a smiley face icon next to a message that informed me that my account was in good standing. My loan balance was listed as {$0.00} ( rather than the approximately XXXX XXXXXXXX it should have been ). When I tried to access information about my loan details, I was shown a message that due to the status of my account, this information could not be displayed. When I tried to view my PSLF payment tracker, this option had been removed from my account. I was shown a message that informed me that Mohela did not have any PSLF information in their system for me at this time. 

At this point, I was confused and called Mohela to try to figure out what had happened. Due to long wait times, I was given the option to have a representative call me back. When the representative called me back, I shared all of this information with him, and he informed me that my loans had been XXXX on XX/XX/XXXX. I asked if this meant they had been forgiven, and he said they had. I asked for documentation to confirm this, and he said no letter had been generated yet, but that it would be mailed to me within 30 days. This was exciting news for me, and I returned to my account several times to see the smiley face and message. 

The next day ( XX/XX/XXXX ), I logged in to my account to again view the message. Instead, the smiley face icon and message of good standing was gone. I found that the full amount of my loans ( just under $ XXXX ) had been reinstated. I was again able to view my loan details, but the PSLF tracker counts were still missing. I called Mohela to find out what happened. 

The trainee who took my call was kind, but ultimately over the course of our hour long conversation she was unable to determine what had happened. She did not see the discharge information that the representative from the previous day had seen, and she also could not see any records of my PSLF counts. She and a supervisor suggested it might be the result of a consolidation I requested in XXXX of XXXX, but that has been completely resolved since XXXX of XXXX, and everything in my account has been correct and up to date since then- until XX/XX/XXXX. Additionally, the representative I spoke with on XX/XX/XXXX said that the administrative forbearance Mohela placed me in made it difficult for her to see information about my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
On XX/XX/XXXX, cash app stated I made a purchase of XXXX} that over-drafted my account. I didnt make a purchase of XXXX and if I did, I had funds in my account at the time. I never overdraw my account, yet was charged twice for {XXXX} and {XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello : How do I get my loans discharged since they are over 20 years old and I have worked for XXXX, XXXX, and XXXX XXXX as a XXXX XXXX for XXXX years? 

I have contacted my loan servicer, Mohela, on several occasions, via phone and email, requesting information on how I get my loans discharged. Today, Mohela contacted me and could not advise me how to request my students loans get discharged. Additionally, I contacted StudentAid.gov for the same reason and was told to contact Mohela. 

I am exhausted with going in circles on this issue. I need definitive information on how to get my loans discharged in their entirety. 

Thanks in advance for your assistance. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation