BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The Account balance and Information for the Mohela/Dept of Ed loan is incorrect. This Account was paid up in full years ago and now it has hit my credit report as 120 days late and is truly a hindrance to my Credit growth and potential. It reported late in the month of XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are in violation of the FCRA.

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 2020-07-21
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity bank bought Justice from XXXX XXXX. I was never sent a letter or received a call about where to send my payments. I had auto pay with XXXX XXXX   So without receiving any information, I thought they was still going to take my payments. Comenity bank failed to notify me. Now they gave me 3 late payments. I should of received a call or a letter about this. I asked them to remove the late payments due to this being their fault. They failed to respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Company is Barclays Ive been dealing with fraudulent activity for a while now and there was charges done without me knowing or consent this company had made it difficult to where they freeze my account and made it to where I became late and effected my credit history as part of few other cards and crisis Im currently experiencing.

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 2021-12-03
Company: SLM CORPORATION
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:
I XXXX  the natural person continue to be a victim of fraud upon the XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATION/XXXX all have unauthorized the use of my personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record XXXX XXXX XXXX XXXX XXXX XXXX ), SALLIE MAE XXXX XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX.XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXXXXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX are accounts that have been opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. | 15 .U.S . Code 1681 ( a ) ( e ). My Fourth Amendment right has been infringed on. I am not secure in my papers and I have not had any rights to privacy regarding these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was opened in my name without my authorization. I don't recognize the reported account ending in XXXX listed as a charge-off on my credit report. This is a request for the account to be deleted from XXXX  XXXX, & XXXX. I asked Barclays Bank Delaware to validate with a contract for proof of signature, this doesn't exist.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-18
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was Denied a {$400000.00} VA Mortgage Application with Veterans United Home Loans Application # XXXX and Loan # XXXX on XX/XX/2021 within 2 days of application. Reasons for denial provided " via voicemail '' were that XXXX & XXXX XXXX Income were not sufficient income alone for approving the loan regardless of VA Certificate of Eligibility, 810 ( 3 ) Bureau Beacon Score and {$120000.00} of cash down payment. I guess I should have known better to apply for a VA Home Loan without a Job but I have an email inbox FULL of Negative Job Hiring Decisions from Government & Private Employment Applications. So, I tried anyway. They also said " when your situation changes, please give us a call ''. Now, I have a " lower Beacon Score '' because of the big " inquiry '' on my credit report. Why couldn't they " pre-qualify '' me without an inquiry? I thought that was one of my rights with a VA Loan. How many other VA Lenders should I try? I will have to get a job 1st I guess which is easier said than done.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 account XXXX XXXX, has violated my rights. 15USC 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 an 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 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 2021-12-03
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 are the inquiries that are reporting on my XXXX XXXX : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I submitted a fraudulent claim for my business banking account to Bank of America on XX/XX/21 for the amount of {$13000.00}. The claim number is XXXX. I explained to Bank of America that I was scammed into sending a company {$13000.00} as a business investment and never received the products in return. I tried to recover the money by contacting the recipient and they have blocked me from all communications. Bank of America is stating they are not able to help with the fraudulent claim. I have a been a great business account customer with Bank of America for quite some time and would like if they would investigate the claim and refund my money.

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 2023-04-12
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On Sunday, XX/XX/XXXX my son made a mobile deposit for a check into a savings account that has both of our names on it. The next day, I noticed the check was on the account 3 times, I told my son to call VyStar to resolve the issue and reverse the XXXX extra deposits that were pending. VyStar representative confirmed the issue would be fixed on XX/XX/XXXX. On XX/XX/XXXX, Vystar reverse the deposit but has incorrectly charged a fee of {$8.00} for an error made in there system. They have also made the account negative even though the funds should be available for the check deposits on XX/XX/XXXX and reversed the deposit amount that was posted in error. My son has not withdrawn any money that was posted in error and does not have access to his funds. This credit union is engaging in practices that harm their customers financially when they make such errors.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: OR
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 complain about the erroneous items in my file that I am sure are not mine, but still the disputed items are appearing in my report, I want the items which came about as fraudulent. 

Please remove the following items for they are fraudulent/erroneous : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$14000.00}. XXXX XXXX  XXXX XX/XX/2022

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 2021-12-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Late payments are reported on my credit report, despite being part of the COVID payment relief period during 2021.

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 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would like to file a complaint with the CFPB and add supporting documentation of contracts, guarantees and commitments as well against Bank of America. The bank shows a charge on my credit card account in the amount of {$6500.00}. I find the bank can back charge the merchant five hundred forty days as a consumer protection. A computer generated calendar schedule can easily be made and you'll find seventy seven Sundays and 16 Holidays that can add the five hundred forty day time period. My statement revealed on XX/XX/XXXX the charge. I made my complaint on XXXX XXXX, XXXX to the bank. The charge was XXXX XXXX. I would like evidence of how the bank applied consumer protection for me and I would like evidence of their efforts in coming to a resolve for me in my case. I have banks who were completely successful in getting my money back from the merchant by back charging the merchant and applying it back to account so why can't Bank of America do the same procedure for me? I have another question, Did the bank try to back charge the merchant within the time allowance? Banks can claim they can only go back according to bank policy and that may be sixty or ninety days. But some banks will agree to the truth of the matter that a merchant back charge provision for the consumer can be done with a five hundred forty day period. What evidence can this bank provide me as proof that they did?

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 2022-12-16
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX XXXX # XXXX  has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions.

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 2018-05-18
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a phone call from a lady stating she was from Caine & Weiner and demanded payment. I asked her nicely to send me a verification letter on company letter head to verify the debt. She said they sent letters in the past and she will not put in a request to send another. Things got heated over the phone when she continued to demand payment without verification. I ended up telling her I will not pay until I get a confirmation of the debt in the mail and she threatened to pursue the debt " legally ''. I told her I know my rights and hung up. After cooling off I called the same number and to my surprised received the same lady who apparently had caller ID because she said my name and asked what I wanted. Once again I asked her to verify my debt by sending me a letter and she asked why a phone call wasn't good enough to be verified. I told her I'm not going to pay without the verification letter and hung up again. 

I had already sent the debt company a certified letter to verify the information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-21
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: Information belongs to someone else

Complaint:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: MI
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:
in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am XXXX XXXX XXXX and suffer from XXXX XXXX. 

TD bank has charged me {$5200.00} in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This My Second ComplainXXXX, The First case was denied

Company response to consumer: Closed with explanation