BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : DP OF EDUC Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX ( Original Creditor : 08 XXXX XXXX XXXX ) Account # XXXX 5. Account Name : Original Creditor Account # XXXX 6. Account Name : Original Creditor Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to officially lodge a complaint concerning a series of unsatisfactory interactions with MOHELA representatives, specifically regarding billing and income-driven repayment ( IDR ) issues. On XX/XX/XXXX, at approximately XXXX EST, I initiated a call to discuss an unexpected charge of {$690.00} to my bank account, a significant increase from my last payment in XX/XX/XXXX, which was {$470.00}. 

During this call, I interacted with XXXX representatives XXXX, XXXX, and XXXX each providing varying levels of information but ultimately failing to resolve my concerns. XXXX admitted on the call that MOHELA failed to notify about the IDR recertification acceptance. My primary issues are as follows : Lack of Proper Communication : Despite my repeated inquiries and a formal request for clear communication in XX/XX/XXXX, MOHELA has consistently failed to inform me of critical changes to my IDR plan. This lack of communication has led to unexpected financial charges and considerable distress. 

Inadequate Service and Support : Each representative provided incomplete or unsatisfactory answers. Notably, XXXX abruptly terminated the call at XXXX EST without addressing my concerns or arranging for a callback. 

Policy Transparency and Compliance Issues : My request for a record of the conversation was denied, citing company policy. Furthermore, MOHELA refused to provide a copy of this policy. This raises concerns about transparency and accountability, particularly since my loan agreement is under the jurisdiction of the U.S. Department of Education, suggesting that federal policies should apply. 

Given these experiences, I request the following actions : A thorough investigation into the handling of my account, specifically regarding the uncommunicated changes to my IDR plan and the unexpected charge of {$690.00}. I would like it referred to the DOJ for wire fraud. 
Clarification on MOHELA 's policies about customer communication, call recording, and the sharing of policy documents. 
An official response detailing how MOHELA intends to rectify this situation, including reimbursement for the undue financial burden caused by the uncommunicated change in payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called MOHELA in mid XXXX ( around the XXXX ) and asked to change my date of payment from the end of the month to the XXXX. They told me it would take XXXX billing cycles to happen. So I called in XXXX ( around the XXXX ) and they said it had not gone through and they would reapply and to check back in 1-2 billing cycles. I called in early XXXX to findout that my date still had not been changed and was still in " process '' and could not be expediated. I also found out during this call that there was an error in my first call and I was in " pay ahead '' status which makes it where they can not automatically change my payment date. I was told that this should have been fixed by MOHELA at the time. However, none of this was communicated to me via email, mail, text, or online portal messaging. I have been working with an ombudsmen at the Department of Ed XXXX XXXX ( XXXX ) who has not been able to get MOHELA to respond to her on why my date isn't changed. This whole time I have asked for administrative forbearance until they can solve the issue and am not getting the loan rate discount since I am not in autopay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: MOHELA
State: IL
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:
My student loan servicer was XXXX. I had a payment of {$11.00} due on XX/XX/XXXX. I made this payment on XXXX, to be posted XXXX. 

On XXXX, my servicer switched to Mohela. Upon creating an online account with Mohela, I noticed my XX/XX/XXXX payment was still showing due. I assumed it was still in processing. 

On XX/XX/XXXX, I sent a message via their secure message center, asking why this payment had not posted and was now showing past due. I received no response. 

On XX/XX/XXXX, I received a " friendly reminder '' from Mohela that I had missed my XXXX payment. 

I requested further clarification via their secure message center on XX/XX/XXXX. I received no response. 

On XXXX, I received an email from the Department of Education informing me my XXXX payment had been missed. 

The payment is not showing when I log into my old XXXX account ; only XXXXXXXX XXXX  payoff of the total appears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from Experian, XXXX and XXXX to remove XXXX XXXX XXXXXXXX XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.

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 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was contacted via email by a XXXX regarding a job opportunity via the rotary club working for an XXXX XXXX. The job opportunity involved working as a personal assistant purchasing items for foster homes and aiding XXXX XXXX in her humanitarian relief. I reached out to accept this opportunity and I was contacted by XXXX XXXX via email at XXXX. She established contact and gave me a list of supplies the homes needed. She then sent me a check for {$1000.00} to use for these purchase. After this she reached out and told me the foster homes were in need of cash and she needed me to send {$990.00} to one of the homes. She sent me another check to make up for this and I did not think anything of it. I sent the money via XXXX to a XXXX XXXX at XXXX. A few days later my account with Bank of America was closed due to fraudulent activity. I was cut off with no money as a college student away from home. I was confused and frustrated because I did not realize I was being scammed until this occurred. I contacted the bank and filed a fraud claim to get the account resolved and my money returned. The bank barley asked for any information and if they did ask for anything it was typically all vague. The never received any files on my end regarding the situation. They asked for names and that was it. Unfortunately the account closure was final and I could do nothing to change it. My account was closed and I was left stranded with no funds. As for the funds I lost being recovered the fraud and claim department could not offer me a solution after an investigation. My account was closed and I did not receive any money back after the fact. I feel as if it was grossly mishandled.

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 2022-09-23
Company: Experian Information Solutions 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:
Experian has been the worst. They want to charge {$30.00} and upwards for information thats not complete or accurate. I have called many times because even after i make a proper account i can not login. The information to sumit disputes is always down and it has been down for at least 3 months. This company has been less than helpful and reluctantly transfers you to a representative. They do refuse to speak with customers at all times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with these companies and they did not provide me with the original contract as requested.

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 2022-09-23
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I bank at Chime Bank. I opened an account at XXXX Bank because my mother banks at XXXX and she had a XXXX several months ago and I am now paying the bills on her condo. It makes it easier. I set up a transfer and initiated it and XXXX returned it because I had mailed my signature card and it had not hit their system causing the account to be delay getting activated. Chime said it was suspicious and seize almost XXXX XXXX dollars. I did nothing nafarious, deceptive or illegal. I am expecting a direct deposit which will be returned. I am a XXXX vet and they are causing me unbelievable hardship and stress

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date - several beginning XX/XX/XXXX This collection agency called my ex-wife, daughter and several other family members telling them there was a garnishment action that was ordered and filed and that immediate legal action was going to take place. When I called back the number that this company gave, they said this was a collection from 10 years ago that was not satisfied. When I asked them about further details, they made fun of my XXXX XXXX, said I was XXXX and i should go XXXX XXXX XXXX  my dog. This call happened on XXXX XXXX onXX/XX/XXXX. 
When I called back, they hung up on me. Furthermore, I requested on this day that the contact me no more. 
1 ) This company is representing themselves as a legal arm of the Government with power or as an attorney. 
2 ) on XX/XX/XXXX I registered on the National do not call log - this call should not of happened 3 ) I feel my rights as a XXXX  person was exploited 4 ) This company identified as a representative of H.S.B.C who I could not confirm as legal representative of this company. 
5 ) If what they said was correct, this dept based on conversation with representative, is well past the 7 year window for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX  ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED REMOVED FROM TRANSUNION ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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: 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not liable for this debt with XXXX, XXXX, XXXX XXXX. I do not have a contract with any of these companies, and they not provide me with the original contract as requested.

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 2022-09-23
Company: Experian Information Solutions Inc.
State: TN
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 was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2018-05-23
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently had some negative information reported on my XXXX, XXXX   and Experian reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX Experian Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 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 These number do not belong to me!! 
( 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 I have attached proof of my address in this complaint.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief