BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened up a checking and savings account. I had to transfer XXXX every first of the month. If not i was charged a fee. I was also charged a fee for not using my debit card 10 times in a month. But i would pay bills and use my card online just not in a actual store. And also sold our personal information without our permission

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 2020-12-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 I had opened my Chase Savings account with the premise that if I kept {$15000.00} in my account for 6 months, I would be awarded {$300.00} in total. This promotion ( {$200.00} for the Chase Savings account ) was also tied in with my Chase Checking promotion ( {$300.00}, that was awarded separately ) ; also to provide an extra {$100.00} in promotional funds for completing both the Savings and Checking account promotions. 

Besides an attempted mobile deposit of {$15000.00} on XX/XX/2020, from the point of the account opening to XX/XX/2020 I had not been able to provide any funding to my Chase Savings account, either at my local Chase branch or any other possible method. 

After much to no avail, on XX/XX/2020 a requested transfer of {$15000.00} from my XXXX XXXX account to my Chase Savings Account finally posted. 

On XX/XX/2020 I was charged {$5.00} for having a {$0.00} balance with this product. While I was able to get a credit of {$5.00} to resolve the fee, because of this, I was ineligible for the Chase Savings promotion that I was offered by Chase.

{$15000.00} was placed in my Chase Savings as soon as it could be. I took every effort available to me to provide this funding within 15 days as per the terms of the promotion. There was no way possible that I could have had funding in my Chase Savings account on the day of opening due to the COVID-19 pandemic. The fee was reversed by Chase on or around XX/XX/2020. They had indicated to me that because my balance fell below {$15000.00} I would not be eligible for the {$300.00} promotion. The {$5.00} fee was not my fault and completely within the hands of Chase Bank.

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 following accounts : DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, and XXXX XXXXXXXX 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 2023-12-11
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/XXXX, Citibank sent a letter to me indicating denial of a preapproved double cash mastercard application due to a filing of XXXX 
The one and only XXXX involving myself occurred in XX/XX/XXXX. Citibank was on the list of write offs at that time in the amount of {$1900.00}. 
They also indicated a " history '' of late payments, which is an outright lie. They claim one late payment in XX/XX/XXXX. Which I dispute as I have never, ever been late 30 days.

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 2023-08-13
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX , XXXX 7 ) XXXX XXXX XXXX , XXXX . 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX  Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and 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 2019-11-13
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:
Experian is reporting incorrectly lates in XXXX and XXXX on the XXXX XXXX XXXX, XXXX partial account number ****XXXX. (  Please see page attached from my credit report. ) I applied for and was approved for a loan modification on XX/XX/XXXX. Please see loan modification documents from XXXX XXXX   attached. The lates that are reporting are after the loan modification was approved and therefore these lates are reporting in error. In addition, this debt was discharged through a Bankruptcy. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2023-12-11
Company: MOHELA
State: IL
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:
I made a payment on XX/XX/23 of {$7900.00} that was supposed to satisfy my outstanding interest but it was never properly applied. When I discovered the error I was told I could request a reimbursement and have the payment re-applied correctly which I did and it was still applied incorrectly. I requested a 2nd reimbursement and again the same issue occurred. 

My next payment of {$5000.00} on XX/XX/23 was also not properly allocated. This has been the pattern for all my payments since the first payment. 

I make extra payments towards my loans with the goal of paying them off but it has been a struggle dealing with my student loan servicer MOHELA. They have made errors in allocating my payments when I have sent instructions. For example, they have erroneously put money towards the principal instead of the interest and vice versa or applied money towards loans I didn't specify when I have been trying to target specific loans. Their payoff calculator was also not working for an extended period of time, forcing me to call in order to payoff a loan. I was unable to get in touch with a representative and had to wait over the weekend as interest accrued before waiting excessively long on the phone in order to pay it off. This is poor customer service and affecting my ability to properly plan my debt repayment. They have also provided inaccurate due dates on their site and given me inaccurate information over the phone. 

For at least 3 months I have been trying to resolve the same issue with my student loan servicer MOHELA. I have sent messages and called at least 10 times and I am spending on average 1-2 hours per call. Even as I'm writing this letter I was speaking with a representative that put me on hold for at least 30 minutes and then transferred me to a supervisor I was never able to speak to as my call was dropped after waiting for an hour. 

On XX/XX/XXXX  I provided MOHELA with a detailed table showcasing how my payments should have been applied and they have yet to accurately apply my payments. I am making additional payments in order to pay off my loans and these constant errors have prevented me from making additional payments for fear of misallocation. I am also concerned that my credit report will be negatively impacted as my balances are in constant flux. 

I believe MOHELA has had enough time to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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 FOLLOWING ACCOUNTS ARE UNVERIFABLE AND INACCURATE : 1 ) XXXX Partial Acct # XXXX .... 
2 ) XXXX XXXX XXXX  Partial Acct # XXXX .... 
3 ) XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
I HAVE REACHED OUT TO EACH OF THESE COMPANIES AND REQUESTED THEM TO VERIFY THESE ACCOUNTS. WHICH THEY FAILED TO DO. I ASKED THAT PROVIDE ME WITH SOME DOCUMENT BEARING MY SIGNATURE AS PROOF OF ME BEING RESPONSIBILE FOR THE DEBT AND THEY HAVE ALL FAILED TO PROVIDE ME WITH SUCH DOCUMENTATION. THEREFORE, MAKING THE ACCOUNTS LISTED ABOVE UNVERIFIABLE. IT IS TO MY UNDERSTANDING THAT REPORTING INACCURATE OR UNVERIFIABLE INFORMATION IS A VIOLATION OF MY RIGHTS ACCORDING TO 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 explanation
Consumer complaint received 2019-07-25
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
So I was only to be placed on the loan as a secondary person and the request for the loan was denied then I was under the impression that that was it when later looking at my credit it was seen that they in fact ran my credit multiple time and has me as the main lend holder and I was unaware of this until get my credit report pulled. World Omni has the incorrect information and they are very rude when assisting me with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to this company.

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 2023-12-11
Company: MOHELA
State: OR
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:
MOHELA changed my payment amount to the wrong amount, after a previous ( successful ) resolution to a CFPB complaint about the amount being incorrect. 

My payment should be {$58.00}. My account was updated to this amount and it's been correct until today ( XX/XX/XXXX ). Last week ( XXXX ) I received a letter from MOHELA stating that my payment will be {$58.00} until XX/XX/XXXX. This letter was sent in response to the original complaint filed with CFPB. Today I logged on to my account and the payment has been increased to {$150.00}. There was no explanation or notice given, and my payments are set to resume in a few weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CONTRACT CALLERS 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:
To Whom It May Concern : This is in response to CFPB Complaint number XXXX. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
An unidentified person opened an American Express account under my name, using my maiden name. I received a letter dated XX/XX/2023 and a statement due in the amount of {$16000.00}. 

I reported this as fraud to American Express on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: MOHELA
State: MO
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:
MOHELA is claiming that I missed a payment that they had already assured me would not be due. In XX/XX/2023, they tried to switch my loans from the REPAYE income-driven repayment ( XXXX ) plan to the XXXX plan ( a different IDR that replaced REPAYE ). But MOHELA processed the switch incorrectly and only switched the payment plan for XXXX of my eleven loans, and then tried to bill me for the full amount of a standard non-IDR plan for my payment due XX/XX/XXXX. I called MOHELA to sort out that problem, because at the time their website was telling me that my loans were somehow simultaneously in forbearance and had a full non-IDR payment due on the first of the month ( over {$1000.00}, as opposed to the XXXX XXXX XXXX  monthly payment I should owe under an income-driven plan ). I then called MOHELA to sort that out, and the representative I spoke to told me that the amount due shown on the website for XX/XX/XXXX was an error, and the loans were in fact in a forbearance while MOHELA got all of my loans onto the correct repayment plan. This representative told me that I didn't have a balance due on XX/XX/XXXX, and that I wouldn't be penalized because of their website error showing that I had that payment due while my loans were listed as in forbearance. Now, all of the loans have been put on the correct plan ( the XXXX plan ), and my amount due shown for XX/XX/XXXX looks correct, but MOHELA is telling me that I missed the XX/XX/XXXX payment that they had already assured me wouldn't be due while they sorted out their own incorrect processing of my loans ' switch from XXXX to the XXXX repayment plan. I can afford to pay them the {$230.00} they say I'm behind, but I will not tolerate them reporting or recording that I missed a payment, after their own representatives told me that the bill for that payment was in error and I didn't owe anything on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Someone I lived with in XXXX  tried to deposit a check into my Bank of America checking account without my consent and the fraudulent check was rejected because it wasnt me. Bank of America closed the checking account and ever since I havent been able to open any checking accounts with any major banks.

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 2023-12-11
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent numerous written correspondence and submitted a receipt of payment. XXXX has violated my rights under the terms and conditions they granted me at the time of the account opening. The credit reporting agencies violated my right 's as well. According to 15 USC 6505 - 8 Not only was my right to opt out violated, but my right according to 15 USC 6802-5 with respect to obligation with respect to disclosures of personal information was violet also. According to The Family and Education Privacy Act of 1974 all of rights have been trampled. I sent a letter to which I did not receive any type of response as to the status of my account and why my account does not show accurate account information. They are also in direct violation of The Education and privacy act which said the school would not provide transaction history to any third party 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 2023-08-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please have experian up date my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filing 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 non-monetary relief