BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been eligible for the discharge of my student loan balance of {$120000.00} since XXXX XXXX. As a federal government employee since XX/XX/XXXX, I have made XXXX qualifying payments under the XXXX XXXX XXXX XXXX program. It is now XX/XX/XXXX and I have received no discharge from Mohela, my federal loan servicer. Mohela has not acted in good faith or expedience in communicating with me and discharging this debt under a reasonable timeline. I request that they be contacted to process my discharge or provide an explanation as to why they continue to delay this discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXXXXXX XXXX {$8.00} ommitted, missing -- - CITIBANK account after purchasing gas XXXX XXXX  for {$25.00} XXXXXXXX XXXX XXXX  Other complaints have been made for theft @ CITIBANK XXXX XXXX XXXX  Only one customer service representative to address account.

They were cleansing -- a coffee scent They have the tellers completing IRA paperwork Could not find paperwork Mash potatoes and gravy XXXX XXXX XXXX XXXX XXXX XXXX, the teller, will ask the clerk at the desk for the paperwork and they could not find the sheets or forms and did not know the codes to access the computer. 
XXXX was trying to put her son in my XXXX to cleanse him. 
Stated we clean with your soul. 

The clerk at the desk discriminated based on hair texture and will then state you are here just for cleansing we are the ones stealing your money from the account. 

A XXXX could be heard on a loudspeaker stating to 'us you were not a XXXX ' that is why we treated you this way. 

Germans are for cleansing and diluting. 
I could not believe you are a XXXX. 

Filed several complaints for discrimination from Citibank on behalf of their representatives. 

They were performing vodoo as they held the paperwork. Representative stated we are trying to put our XXXX on you cause we get and work at bank.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) A person shall not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2022-12-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The company Barclays had me on auto pay throughout my year and half with them. They had given me an annual fee and I was not aware nor did I receive a message knowing the fee was due and I did not get a chance to pay it on time. If I was aware of the amount posted I would have paid in full as I am in autopay again. 
The annual fee of {$99.00} is paid now and I hope to get statements on time prior to my payments.

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 2020-01-06
Company: GreenSky, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
GREENSKY were fraudulently and falsely reporting late payment even though i have setup automatic eft from my checking account Automatic payment setup completed at dentist office on XX/XX/2019 Automatic Payment setup with GReen sky on XX/XX/2019 over the phone arounfd XXXX XXXX Green sky false fully did not start EFT due to their internally problem and now They are reporting late payment to my credit report I have paid all, y payment on time and account is in ontime -- although they are reporting fasle information to XXXX  and 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 2018-02-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had Navient/XXXX XXXX as my loan servicer from XX/XX/XXXX-XX/XX/XXXX. During that time, here 's what happened : -My interest rates on my loans were an average 10.46 % -My MINIMUM payment was around {$940.00} per month for 30 months -In XX/XX/XXXX, I called to ask about an Income based repayment plan, and they told me I was not eligible. At the time I was making {$12.00} an hour, living at home with no rent, no car, and STILL could barely make the payments. I still did every single month on time. 
-I requested to have my cosigner released in XX/XX/XXXX, which they denied -I requested a reconsideration of that denial, and they denied it again -I requested AGAIN in XX/XX/XXXX to have my cosigner released, which they denied -I AGAIN requested a reconsideration of that denial, and they denied it again -I tried again in XX/XX/XXXX to have my cosigner released, and they denied it again -I tired for a reconsideration of that denial, and once again it was denied My loans in total with Navient came out to {$67000.00} In the 30 months that Navient was my loan provider, I paid over {$28000.00} In XX/XX/XXXX, I had my loans reconsolidated with XXXX which cut my interest rate and minimum payment in half My loan balance as of XX/XX/XXXX with Navient was {$66000.00} After paying Navient over {$28000.00}, the principal of my loan decreased by {$710.00}. 

When I look at these numbers, the pain I feel is indescribable. Navient robbed me. Navient made me regret getting an education, a privilege that so few people are able to have. My student loans were, and still are, a constant source of struggle every single day. I think about my loans every single day, multiple times a day. This has limited so many aspects of my life, including racking up credit card debit, not taking jobs in my field ( I can't take that job, it pays too low starting out. How will I pay my loans? ), not being able to save money, etc. 

Where did the $ 28,000+ I give Navient go?? What they are doing to our youth is despicable. The interest rates for their loans are disgusting. Navient needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/ 2023

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
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 explanation
Consumer complaint received 2021-10-07
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: WI
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:
Have spoken to XXXX numerous times about accounts showing on my report that do not belong to me. Spoke to a rep XX/XX/XXXX regarding the inaccurate info and referred to call the bank that holds the account directly. I have called JPCMB ( Chase Bank ) and they do not show any individual accounts with my social security number and are unable to assist me. I then spoke to a rep again XX/XX/XXXX and accounts were being investigated and still remain on my credit report. Today XX/XX/XXXX the accounts are still showing on my credit report and are not linked to my social security number as previously stated and spoke to rep XXXX and he said it is under investigation again to wait 30 days. Again no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.

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 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022 I received a hard inquiry on my credit report by Capital one ( XXXX XXXX XXXX ) applied for loan without my consent cause is lowering my credit score On XX/XX/2022 I received a hard inquiry on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Applied for a loan without my permission is lowered my credit score. 

Before someone wrote to my job asked for payment direct deposit through XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I found several items on my credit report that are inaccurate. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties the bureaus are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2020-02-12
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried to reach FedLoan about the transfer of my loan from XXXX XXXX and the implementation of my Public Service Loan Forgiveness Program for three weeks. I have sent three emails ( XX/XX/2020, and two on XX/XX/2020 ) and made three phone calls on XX/XX/2020, two of which were automatically disconnected after long waits on hold. On the third call I left a callback number and was never called back ( after a more than 24 hour wait ).

There does not appear to be a way to contact FedLoan at this point, by phone or email. I am VERY concerned about this, as I do not know the status of my account, and it appears to be incomplete according to my online account information. They are also about to debit my first payment ( of many ) and I have no way of reaching them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX  reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX XXXX reporting incorrect late payment for XX/XX/XXXX and XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX  reporting incorrect late payment for XXXX - This reporting is INCORRECT account was paid on time XXXX  XXXX reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time

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 2022-12-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Two new derogatory student loan accounts just appeared on my credit report. These accounts are reporting on XXXX and Equifax. The account balances are XXXX and XXXX. These accounts were supposedly opened on XXXX of XXXX. All my student loans are paid and closed. I have not opened a student loan account since XXXX. These accounts are not mine and should be removed from my credit. They have grossly increase my debt reporting on my credit report. These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Account status incorrect

Complaint:
Two new derogatory student loan accounts just appeared on my credit report. These accounts are reporting on Transunion and XXXX. The account balances are XXXX and XXXX. These accounts were supposedly opened on XXXX of XXXX. All my student loans are paid and closed. I have not opened a student loan account since XXXX. These accounts are not mine and should be removed from my credit. They have grossly increase my debt reporting on my credit report. These are not my accounts.

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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX  XXXX {$11000.00} XXXX XXXX XXXX {$21000.00} XXXX   XXXX XXXX  XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX XXXX {$4000.00}

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 explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX  reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX XXXX reporting incorrect late payment for XX/XX/XXXX and XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX  reporting incorrect late payment for XXXX - This reporting is INCORRECT account was paid on time XXXX  XXXX reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation