BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Mobiloans, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around XX/XX/2021 I took out a loan with Mobiloans in the amount of {$1800.00}. I was making regular payments until XX/XX/2021 when I made a payment in the amount of {$1700.00}. I had two " fixed finance charges '' still left to pay at this time. On or about XX/XX/2021 I got an alert from XXXX XXXX that my credit score had gone down due to a 30 Day delinquent payment from Mobiloans. On XXXX XXXX I received an email from Mobiloans informing me that I am not 30 days late, I am only 24 days late ( attached hereto ) at the time of the reporting I would have only been 12 days past due, yet they still reported to both XXXX and XXXX that I was 30 Days or more delinquent. It should be noted that you can not make ANY payments on their website if you are more than 1 day late, calling them gets you put on hold for an indefinite amount of time, and emailing them gets you an automated response telling you they believe they have resolved the issue. I have been calling and emailing since Early XXXX trying to get my account figured out and they refuse to communicate and do things like report you to the CB 's. When you do get someone on the phone or by email, they tell you they " can't help you because it's only been x amount of days '' the second time I reached out I was only 9 days past due and they refused to assist me. I can't attach the emails I sent because they are all done through their website and you don't get copies of those. This is not the first time they have screwed up with my account.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-21
Company: U.S. BANCORP
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, XXXX I met with banker XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX, OR XXXX and received a HELOC. I received no counseling about loan, was nervous and stressed, and asked banker 3 times is there any out of pocket expenses to this loan if I never use the loan. " no '' she replied 3 times. People in waiting area to see XXXX, I felt rushed and we talked for a while then she had me sign all the documents. I did not have the opportunity to read all small print but trusted XXXX because she promised there is no OOP expenses with this loan. On XX/XX/XXXX I called US bank to close this HELOC account because I knew I could not afford to pay any advance payment interests, therefore I must close the account. The banker said he'd close the account and I would receive a letter to that affect. On XX/XX/XXXX, I rec 'd bank letter dated XX/XX/XXXX, XXXX stating I owed an " outstanding balance '' needed to be paid before they close my account. I rushed on XX/XX/XXXX, feeling very stressed, to local US bank at XXXXXXXX XXXX  XXXX XXXX, OR XXXX at XXXX XXXX, spoke with banker " XXXX  '' who told me I owed {$550.00} in order to close account. I told her I was never advised of any such fees, and if I'd been aware I would NEVER have signed the loan papers in first place. She innsisted I owed this, I asked for supervisor, but none were there.. I told XXXX that I was having chest pain and felt like I was having a XXXX over this demand for {$550.00}, my face was bright red, she noticed this, and said : '' I'll get in touch with a supervisor, there are only a few who are in charge of many banks each, but you go home and rest and we will call you today. I have not heard a word since from anyone at us bank.I contacted my MD because I felt a XXXX was imminent due to stress of that large sum of fraudulent money being demanded. XXXX also told me that penalties and fees will continue to accrue daily until you pay the amount needed to close your account. I have been house bound, sick in bed since then, spending energy contacting US bank for assistance, getting no help after several calls. I've been researching how to handle this very disturbing situation and I've found HELCPA 1988, and HOEPA 1994 " protects consumers with potential financial shortcomings, including lying, coercion, taking advantage of a lack of financial experience ''. I'm XXXX y/o, my income is at the poverty level. " Interest rates, payment terms, & miscellaneous charges must be disclosed with the loan application and before the first transaction ''. per HELCPA. Today is XX/XX/XXXX and I'm sick i bed from this enormously stressful situation. I plan to go to Small Claims Court if possible. Please help me with this injustice and lack of Equity in business.

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 2021-11-16
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
LexisNexis Consumer Center XXXX XXXX. XXXX XXXX XXXX, GA XXXX Customer # XXXX Case Number # XXXX Requested my credit report and they sent me a link and " pin number ''. The pin number does not work and I tried ten times, even used lower caps. This same thing happen four years ago with LexisNexis, stonewall the consume. I called the customer service person she was unable to help and seemed befuddled. The letter was dated XX/XX/2021 and stated the pin was only good for thirty days. That was not the truth, same thing happened four years ago. I found out that they incorrectly stated I had three outstanding auto loans to XXXX and that I was a credit risk. So until I was able to get them to correct their lies, I paid a higher insurance rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...

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 2023-06-21
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: Information belongs to someone else

Complaint:
Some one hacked my Experian account. Changed my information and is filing for credit cards in my name.

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 2021-11-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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:
ChexSystems is in NONCOMPLIANCE of the Code of Federal Regulations, Regulation V and the Fair Credit Reporting Act, FCRA. I am a victim of identity theft pursuant to 12 CFR 1022.3 ( h ). A fraud has been committed against me by using my personal identifying information. I have previously reached out to XXXX XXXX in regards to this fraudulent account and they told me to reach out to ChexSystems. ChexSystems is now making me a victim of their violations to federal law. I sent ChexSystems my official Federal Trade Commission identity theft report, proof of my identity and proof of my address on XX/XX/XXXX through USPS certified mail. XXXX received my documents on XX/XX/XXXX. According to the FCRA 15 USC 1681c-2, ChexSystems is required to block this fraudulent account no later than 4 business days after they receive my correspondence and they have 5 business days to advise me they decline to block this fraudulent account. It has been 10 business days and I have not received any correspondence from ChexSystems regarding this matter. ChexSystems is in Noncompliance of Federal Law and their Code of Federal Regulations. I, as well as Federal Regulators expect ChexSystems to abide by the instructions and requirements of the Fair Credit Reporting Act and their Code of Federal Regulations. Is ChexSystems above the federal laws they have to abide by? Is ChexSystems above their Regulators who have put the Code of Federal Regulations in place? This identity theft is hendering my progress in life but the federal laws are here to protect me and my rights. However, ChexSystems refuse to follow those laws.

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 2021-11-16
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a credit freeze on my Experian credit file since 2007 because I was a fraud victim. I received a letter about a year and half ago that stated my name was among many where my information was some how may have been exposed and I was to enroll with XXXX. I was contacted by XXXX that the monitoring had stop and XXXX by Experian was taking over. It did not matter to me because I had an actually credit freeze on my account for over ten year. XXXX cancled the credit monitoring and remove the credit freeze completely without me requesting them to do so. All three of my credits reports are on credit freeze for the last 10 years. I have to pay to get my credit reports unlock for a certain period of time. Now, Experian is demanding money for a credit freeze that I should not be paying for since I was a fraud victim. They had no right and nor did I give them permission to take the credit freeze off. If someone steals my information, they need to pay for this because this is just wrong.

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 2023-08-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see both I.C. Systems and XXXX on my credit report, even though XXXX sold my debt. XXXX. XXXX says I owe them more than {$2000.00}, and they claim XXXX passed on the debt to them. But when I check my credit report, XXXX is still there with a balance around {$850.00}. Also, XXXX sold the debt to someone who's bothering me with demands for payments that are double what XXXX claims I owe. I want to emphasize that I've never been with XXXX or signed anything. I'm confident I'm a victim of identity theft, and I'm dealing with disputes with other companies and banks because of this identity theft issue. 

I urgently need to see a detailed bill explaining why I owe more than {$2000.00}. I'm not satisfied with a bill that looks like it was made up, just stating that someone owes money. I want to see signatures. It's important to note that XXXX can't sell the debt and continue to have it on my credit report with a different amount than what the collectors are asking for.

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 2021-11-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been trying to add my son to the family plan for several months after Equifax moved to myEquifax. I was told that I needed to send in documentation of guardianship. I mailed it in in XX/XX/2021 with certified mail ( received the stub ), but was told that they did not receive it. I then faxed it in in XX/XX/2021 and received confirmation that my fax went through, but yet again was told that my information was not received. I find it extremely disconcerting that a credit monitoring service that is suppose to monitoring and protecting my credit keeps telling me that my personal information that I have sent in is no where to be found in their system. Furthermore, every time i call, I am transferred to multiple people who do not seem to know what is going on. Today, I was transferred to XXXX different agents and was on the phone for XXXX hr XXXX minutes without any resolution. I am extremely frustrated and dissatisfied with Equifax 's service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Community Health Investment Company, LLC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I stayed in the hospital for a period of time and was billed by several areas of the hospital. I was sent to collections with PASI who setup multiple payment plans over a 2 year period. After my debit card expired, we established a new plan for XXXX per month out of my husband 's checking account. 

Payments continued monthly until XX/XX/2021. We never changed the bank account or had a returned payment however PASI sold our debit to a new company and stated it was due to no payment being received. From XX/XX/2021 to XX/XX/2021, no communication was received asking for payment and no notice of the debt being sold was ever sent. 

I called PASI who said they were not sure why I was not advised or why I was ever transferred. The agent transferred me to Customer Service where I got a recording that their office had just closed 5 minutes earlier. The agent also advised that whoever answered could and would get me a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. I received a notice of collection on my credit that seems to be filed on XX/XX/21 from a collection agency for XXXX XXXX. 

I do not recognize this agency, have not received any communication from them. 

We have been using XXXX XXXX for over 2 years with same account and have no issues, no account problems and are still using them. 

This dept seems either fraud or contains an error. 

Hopefully there is not some sort of identity fraud happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a personal checking and savings accounts that were opened in XXXXXXXX XXXX XXXX, and neither of them are showing up on my credit report. It only shows ones that were previously closed before making the ones I have currently. 

I also have been at my current place of employment for XXXX XXXX XXXX XXXX XXXX but it shows I have no employment history as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My current loan servicer is Mohela. I have communicated through messages on the Mohela website as well as called their toll free number to determine why my monthly loan repayments are shown at {$820.00} but no representative at Mohela has been able to sufficiently answer my question. My Mohela account shows that my current principal is {$54000.00} with {$0.00} current interest and with a 5.31 % fixed interest rate and repayment remaining over 105 months. I am being told I owe {$820.00} monthly when my payment plan begins XX/XX/2023. This calculation would reflect the correct amount IF based on my original principal of {$70000.00}. My monthly repayment should resume at {$640.00} through my current loan repayment terms. Mohela is resetting my loan payment modifying only the number of payments and not the principal, as such they are charging me approximately an additional {$4000.00} over the life of the loan. They are likely doing this to many other consumers as well. As shown through the Department of Education 's loan webpage at studentaid.gov, " Your loan servicer would base your new payment amount on : 1 ) your current balance of principal and interest and 2 ) your remaining repayment period. 

Direct link below : https : //studentaid.gov/announcements-events/covid-19 Please see the amortization schedule attached for further details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by Wells Fargo. I was notified of this transgression specifically 15 USC 1601- The Truth in Lending Act by Well Fargo via USPS mail on XX/XX/2021 after completing my pre-approved online application. I as a natural person was harmed by Wells Fargo 's adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) states are up to ( {$5000.00} ) XXXX is now civilly liable to pay me for the damages.

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 2021-11-16
Company: EQUIFAX, INC.
State: NJ
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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've been a XXXX XXXX Credit card holder for over a decade. Realized several years ago that a {$19.00} per month charge was being made out of my XXXX XXXX card account and called XXXX. They assured me that I would no longer be charged. Recently, I checked my statement and realized that I have never stopped being charged {$19.00} per month by a company called " XXXX XXXX. '' I called the number listed and was told that it had been charged monthly for several years and that they would stop the charges. My XXXX XXXX statement this month is still showing the charge. I have incurred over {$2000.00} in charges from this company I have never authorized. Please help me cancel this and get my money back. My XXXX Credit card is closed, but I am still incurring these charges!

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