BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: MOHELA
State: VA
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/2022, I called Mohela to request a refund for payments during the XXXX pandemic. During the phone call, they approved the refund request, and stated that the funds would be in my account within 30 days. The refund was never processed. I have tried calling them on multiple occasions starting on XX/XX/2022. Representatives do not answer the phone, and hold times exceed over XXXX hours. I have also attempted to reach out to them using the " Contact Us '' portal on their website, and I have not received a response that way, either. I would appreciate any assistance in this matter, and would like an update regarding the status of my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX  XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$91.00} XXXX XXXXXXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}

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 2021-01-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A trust account was established by my mother making JP Morgan Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Vice President & Trust Officer XXXX the Trustee of the Trust. 
On XX/XX/2021 I requested that this account be termination early as per Paragraph C in my mothers will. 
3. Early Termination Provision. Notwithstanding any other provision of this Paragraph 3, the Trustee may terminate the trust for my son in whole or in part at any time if in the Trustee 's discretion ( ii ) for any other reason early termination is in my son 's best interests. That portion of the trust estate as to which the early termination applies shall be distributed to my son. 
I put in a written request to JP Morgan to terminate this account and it was presented to the Board of Trustee 's and it was denied because my justification wasn't strong enough. I even requested a partial termination and it was denied. 
I am XXXX XXXX  and do not have very long to live and I need to get my financial affairs in order before I XXXX. I need money for medical expenses, funeral expenses current debts and taxes that I need to pay for before I die. The intent of the Trust appears to be more for the best interest of JP Morgan than for the benefit of me. If a XXXX man 's request for funds is not good enough, what is?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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:
No response from my written request to XXXX XXXX XXXX XXXX florida to validate the debt. I wrote experian asking to send me the results of their investigation on the account and still did not receive anything in writing regarding the account for XXXX XXXX XXXX XXXX florida for {$1400.00} on my report. No reply from either company is continuing to hurt my credit as a consumer.

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 2021-09-14
Company: Experian Information Solutions Inc.
State: SC
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 have contacted Experian nine times ( 9 ) over the accuracy of information, third party XXXX XXXX and the Low Ball credit scores. I have repeated told Experian that I am NOT XXXX XXXX. Experian have repeatedly shown biasness in its assessment of information sharing. IT appears that Experian have not learned anything from its past Class Action Law Suit!!!!!!!

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 2018-12-20
Company: EQUIFAX, INC.
State: NY
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:
Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times. 
. 
XXXX XXXX XXXX  Inquiry Date..MXX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX  XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX   XXXX/XXXX & XXXX Inquiry Date..XX/XX/XXXX XXXX   XXXX  XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX XXXX  Inquiry Date..XX/XX/XXXX7 XXXX  XXXX XXXX  XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX  XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX Inquiry Date..XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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
Consumer complaint received 2020-03-02
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to my credit report, Enhanced Recovery Company purports they have the right to collect {$290.00} from me. They have been reporting this amount since 2019 without proper notifications sent to me. After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Enhanced Recovery Company regarding my name or an alleged account. I disputed this information and it was verified as accurate. 

Because the credit bureaus did not speak with Enhanced Recovery Company, this debt has been verified illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. They need to be reminded that, according to the FDCPA, they must follow certain procedures when attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MO
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 submitting this CFPB complaint to express my deep concern regarding the unresolved dispute over erroneous accounts and information that has been inaccurately reported on my credit file. Despite diligently disputing these discrepancies for the past 36 months, I have yet to receive a satisfactory response from the Credit Reporting Agencies. This has caused significant distress and financial implications on my part, and I DEMAND their immediate attention to rectify this situation. I firmly believe in the utmost importance of maintaining accurate and up-to-date credit information, as it directly affects my ability to obtain credit, loans, housing, and employment opportunities. Therefore, I DEMAND the complete removal of the following erroneous accounts from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance : {$0.00} - Charge Off XXXX  XXXX CC XXXX Balance : {$0.00} - Charge Off XXXX XXXX XXXX Balance : {$0.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - Charge Off XXXX  XXXX Balance : {$0.00} - Charge Off ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 

As per the Fair Credit Reporting Act ( FCRA ), it is the Credit Reporting Agencies ' duty to ensure the accuracy and fairness of the information they report. Failure to comply with the FCRA can lead to legal consequences, and I DEMAND that they avoid such a situation through their expedient resolution of this matter.

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 2022-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Here is the account of which does not belong to me or was opened without my permission. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: National Credit Systems,Inc.
State: SC
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 called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FRAUDULENT INQUIRES ON MY EQUIFAX CREDIT REPORT! BLOCK AND REMOVE! 

XXXX XXXX INQUIRY ON XXXX ATTACHED IN FTC REPORT, ID AND UTILITY BILL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: OH
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 have been trying to dispute invalid items ( unauthorized inquiries ) listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-15
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
At the date of XXXX XXXX, I tried to send money to my friend by XXXX app through Bank of America. It was his rent money but he never received it. The money which was {$3200.00} went to the wrong person. I used XXXX because I trusted Bank of America but theyre not taking any responsibility to give my money back. They keep telling me that I have to ask the receiver but I dont know them and when I contacted the number and left massage no one contacted me back. My friend is in hard situation and desperately need that money for his rent. The receiver has account in XXXX as well but the bank not trying to get my money back to me. I need them to recall the money or inform the person who is their customer, to return back my money to my account. Im customer of XXXX for almost 20 years. If they dont want to help me it would make me so disappointed and Ill close my account with XXXX XXXX XXXX app is promoted by bank but its so frustrating that bank doesnt take any responsibility for covering the fund which is a customer loss. Thats the bank job to cover by loss. I filled the claim with bank and reopened it two more times but they denied my request. Please help me ASAP. Im looking forward to hear from you soon. Please contact me at my phone number or email.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : 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 2021-11-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the accounts that is still reporting on my Credit Reports and needs to UPDATE completely from my Credit Report : MEDICAL XXXX Date Opened : XX/XX/2020 Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: MD
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 am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!

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