BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
DEPT OF EDXXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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 2023-10-12
Company: MOHELA
State: PA
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:
When the COVID payment pause ended in XXXX, I noticed that my student loan payment had jumped, and that I was no longer on the XXXX plan ( REPAYE ) that I was on when the pause started. As confirmed by the government, borrowers did not have to recertify during the pandemic and should be simply restarted when the pause ended. 

I called Mohela and they lied to me at first and told me that I was supposed to recertify. After asking to speak to a manager, they told me that they would submit an application to get me back on the XXXX plan I was on prior to the pause, which is what is supposed to happen. 

Now, on XX/XX/XXXX, I received an email from Mohela telling me that my request for an XXXX plan could not be approved because I did not recertify. The rule is that I am not required to recertify and that I should be placed back on the XXXX plan I was on prior to the pause, and then given a new date for certification. 

I was given this XXXX ( which is like a case number ) : Qkey : 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 2023-07-28
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX *The above numbers may differ from actua

l records 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 reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo continues to turn a blind eye to major fraudulent action due to their extreme incompetence. The CFPB needs to hit them with another million dollar fine. 

On or about XX/XX/23 at XXXX XXXX ( EST ), a Wells Fargo customer attempted to make two fraudulent transactions to obtain money from my XXXX XXXX XXXXXXXX XXXX  checking account. After notifying XXXX XXXX Bank, I also decided to call Wells Fargo and give them a heads up so they can investigate and protect themselves from major fraud losses since XXXX XXXX XXXX  may not even notify Wells Fargo and if they do it will take a few days. Wells Fargo would not take the information. 

I also have deposit accounts at Wells Fargo, but that is unrelated to the attempted fraud with my XXXX  checking account. It is just a coincidence that I happen to also have an account with Wells Fargo. 

I attempted to provide the Wells Fargo Online Security / Fraud Team with the information of their customer attempting fraud, but they said they could not take the information. Instead of investigating and / or referring the matter to law enforcement, they allow a major felon to act with impunity. I suppose that considering Wells Fargo 's major felony record from the not-too-distant-past, I suppose this should not be a surprise. 

On or about XX/XX/23 at XXXXXXXX XXXX a Wells Fargo customer attempted to make an ACH pull from my XXXX checking account. Then a few minutes later at XXXXXXXX XXXX  they attempted a fraudulent ACH pull for {$1600.00}. XXXX XXXX records show these fraudulent attempts originated at Wells Fargo 's routing number XXXX. The XXXX  account they attempted defraud is # XXXX and the routing number XXXX. 

Again, given Wells Fargo 's proven fraudulent actions in the not-so-distant past and their total failure to even listen to documented fraud complaints originating from their bank, the CFPB should severely punish Wells Fargo -- even force the bank 's complete closure.

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 2023-10-12
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I believe Mohela has mishandled my student loans and my eligibility for the SAVE PLAN. They have erroneously denied and/or processed my PSLF application incorrectly. I selected SAVE when I submitted my consolidation request on XX/XX/XXXX. It is showing on your site as cancelled, so I resubmitted another IDR request in XXXX, which was closed out as a duplicate. Please process my request for SAVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: AZ
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:
They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: MS
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 did not consent to authorize nor benefit from these account ( s ).

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 2022-12-12
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Mortgage account with United Wholesale Mortgages and have escrow services on the loan. The vendor has placed Lender placed home insurance since XXXX on the property in spite of providing all required paperwork to them and the primary reason is a issue on their backend where they have suddenly made the property a single family home instead of townhouse which it actually is. I have called over 4 times and have even talked to their resolution department and while they have confirmed they have everything they need and have internally sent escalation letters as the backend entry was being corrected they have missed their own SLAs on getting this corrected. This is causing the mortgage payment to increase as the lender placed insurance is eating into the escrow. Since the issue is well over now close to 2 months want to get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a text that the pin and password was changed to my cell phone account and within minutes I lost cell service. My PayPal account and Venmo were hacked and they made large purchases on XXXX and transferred balance on my Venmo to an unauthorized bank. I couldnt reach customer service at either because I dont have cell phone service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CO
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:
The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get XXXX XXXX to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to XXXX XXXX  and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information

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 2021-03-22
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has called multiple times trying to collect on a debt that was paid and discharged from my credit report many years ago. I told them the debt was paid, but they insisted that there is a judgement against me for the debt. I told them to mail me the verification of the debt owed. They are trying to scam me out of money that was already paid.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
Listed are unauthorized hard inquiries on my Transunion consumer report : XXXX XXXX XXXX Inquiry date : XX/XX/ XXXX XXXX  Inquiry date : XXXXXXXX  XXXX XXXX Inquiry date : XX/XX/XXXX  XXXX XXXX  Inquiry date : 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 2019-12-13
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have consistently for several years been stating to First National Bank of Omaha that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!

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 2023-09-21
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent INQUIRIES in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any INQUIRIES listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of INQUIRIES that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi - SunTrust offered a promotion of {$600.00} to open a bank and credit card. 
After 6 months finally received {$200.00} although they have charged almost {$300.00} in fees. No bank XXXX for 7 months. 
Rude and arrogant staff.
Called over 10 times. 
They show no concern or compassion for this situation.

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 2023-10-12
Company: MOHELA
State: FL
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:
When I began XXXX XXXX in XXXX, I took out a {$20000.00} Direct Unsubsidized loan at XXXX percent interest rate and a {$2000.00} Graduate PLUS loan at a XXXX percent interest rate. I have attached the original loan documentation for this as Exhibit A. On XX/XX/XXXX, I paid the entire {$2000.00} balance remaining on my Grad PLUS loan, as demonstrated by the loan financial activity summary attached as Exhibit B. Before the end of the payment pause, I made further payments to my XXXX XXXX loan for a remaining balance of {$8100.00}. On XX/XX/XXXX, MOHELA sent a payoff letter confirming payment of my Grad PLUS loan, attached as Exhibit XXXX Yet on XX/XX/XXXX, I received correspondence from MOHELA XXXX that I had a {$2000.00} balance on my Grad PLUS loan, which was past due ( Exhibit D ). My account now reflects a {$2000.00} decrease in the balance of my Direct Unsubsidized loan ( down now to {$6100.00} ) and a sudden resurrection of the paid-off Grad PLUS loan with interest tacked on so that my total balance increased to {$8200.00}, attached as Exhibit XXXX XXXX never made any request to reprocess payments or authorized any action that would take my Grad PLUS loan ( with a higher interest rate ) out of payoff. When I called in to ask what happened, following an XXXX minute hold, a MOHELA representative acknowledged that the servicer had committed a serious error and taken it upon itself, without my request or authorization, to reprocess the XXXX XXXX payment of {$2000.00} to the Direct Unsubsidized loan, not the Grad PLUS loan ( with a higher interest rate ). However, in order to get this fixed, MOHELA required that I make a request to have the XXXX XXXX payment reprocessed for the Grad Plus loan -- as if I had not directed the payment to that loan in the first place. This is an attempt to cover up their serious error and prevent regulators from finding out about this, at best, severe lapse in compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: AL
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 informed Equifax that XXXX has removed XXXX XXXX XXXX collection account. That they are reporting I owe. Yet, they have not investigated nor sent me any information on the dispute. Ive tried several times by disputing this collection without anything being done. XXXX has sent me information along the way of my dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-10-21
Company: CBC Companies, Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with non-monetary relief