BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
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:
I paid my monthly due throughout the Pandemic pause even after the following timeline began... 
XX/XX/XXXX I was notified that my servicer Mohela would process my loan forgiveness XX/XX/XXXX Received an email from Mohela that my student loans were forgiven XX/XX/XXXX US Dep of Education emailed notification that the payment pause was ending and that I should check with Mohela because my account was awaiting discharge On or about XX/XX/XXXX I called Mohela customer service and was told that my file was processed on XX/XX/XXXX and the refund would be redeposited in the manner paid within 60 days after the call, I checked the app, the app showed a {$0.00} loan balance but a credit balance of {$15000.00} ( I took a screenshot ). 
XX/XX/XXXX I called 3 times, the first time the wait was XXXX minutes but the call was answered at XXXX minutes. When I finally spoke to a rep she said there was no file -- I explained that it had been forgiven and gave the old account number. I was on hold for XXXX minutes so she could talk to her supervisor, and she came back again and said she would transfer me to her supervisor, I held for XXXX minutes and the call disconnected. I called back but the call center message said I needed to call during hours of operation. 
XX/XX/XXXX I called again and waited for XXXX mins. This representative saw that there was previously a credit but indicated refunds would take 90 days. 

I just want a solid answer on when I should see this 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 2020-01-16
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2020-01-17
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXXXXX XXXX sent the Medical - Dental - account to Allied Collection Services, the Collection Agency. 
Prior, I did not receive notice of the debt being forwarded. On many occasions, Id requested that XXXX XXXX the original creditor validate the debt i.e original contract if any or services received accompanied by the actual charges but never received any response from the Dental Office. 
The Creditor is unable to validate the debt and I do not recall the charges or the amount. 
Since reporting with Allied Collection Services that amount had escalated in comparison to letter Id received from XXXX XXXX. These false statements and representations are adverse to my credit, in addition to the company 's inability to verify the debt and prove they are trying to collect an amount not owed or the wrong amount.

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 2023-11-10
Company: MOHELA
State: NY
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:
My account was placed under administrative forbearance on XX/XX/2023, i called on XX/XX/2023 to request information about what why this occurred, I was on hold for XXXX hours. I was told that if I made the scheduled payment that it would not effect my PSLF progress. I also asked to speak to an account manager. They told me that the forbearance was a mistake on the account and would be removed after several days. It has not yet been removed. I made the payment on the originally scheduled due date for the originally billed amount. The payment has gone through, but not the month of XXXX is being flagged as ineligible for PSLF because the account was in forbearance. 

To summarize. 
1 ) i requested forbearance to be removed, it has not and the account is still in forbearance 2 ) i made the scheduled month payment on time as was calculated under the SAVE program 3 ) I was told that this would count towards PSLF, but my account shows that the payment is being marked as ineligible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I legally changed my name and received the certified court order granting my name change XX/XX/XXXX. Shortly thereafter I contacted Chase to update my legal name for my credit card accounts. 

I was told repeatedly via message and phone support that I would not be able to send them documentation online, and that I would have to wait for a letter in the mail, which I would have to sign, scan, and send back to them. They refused to send me this form digitally. 

After I finally received this letter and changed my name with Chase, I was reissued a replacement card for only 1 of my 3 Chase accounts, and had to ask to have the other 2 replacement cards issued. The replacement cards did not have the display name on them that I wanted, so I had to request replacement cards with the correct name yet again. 

One of the benefits of my Chase Sapphire Reserve credit card account is a Priority Pass membership. I was not issued a new card for this with the correct name, and had to request it on XX/XX/XXXX. 

I received this replacement card on XXXX, and it had an incorrect name on it that did not match my ID. I requested a new card later that day, on XXXX, with the correct name via message-based support. 

I received another replacement card by mail on XX/XX/XXXX, which had the same incorrect name on it. I called phone support that day, XX/XX/XXXX, and was told they would expedite a replacement card with the correct name on it. 

I received that card by XXXXXXXX XXXX  the morning of XX/XX/XXXX, and it had the incorrect name on it yet again. I called phone support for this and was treated rudely, and was assured they would fix the issue. I also sent an email to XXXX XXXX and XXXX XXXX at Chase to try and reach an executive regarding the issue. I heard back from someone in the Executive Support office named XXXX. She reassured me on XX/XX/XXXX that I would receive a new card and she would personally make sure the name on it was correct. 

I received that replacement card yesterday, XXXX, and not only did it still have the incorrect name on it, but it was even more incorrect than before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXXXXXX Balance Owed : {$44000.00}

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 2023-08-03
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This is related to CFPB complain - XXXX. 

Money is not deposited in receiving account. 

I demand to know telegraphic transfer copy ( XXXX XXXX ) or a XXXX in the standard format of electronic communication for transfer You can not close out the case simply writing money was delivered when there is no money in my account at destination. 

It is your job to prove money was delivered as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I received a notification from XXXX that XXXX  XXXX had made a request for my credit information. I have not made any application to, or otherwise attempted to do business this entity. I attempted to contact the company by telephone and spent over an hour in phone system XXXX. After that, I e-mailed thee customer service people at XXXX XXXX and on XX/XX/XXXX received a reply telling me to contact Citibank and providing no additional information. 

I have spent another hour trying to speak to a person at Citibank concerning this matter with no luck and this complaint follows. 

I am only seeking an explanation as to why this inquiry was made and verification that all my information has been removed from their system. I want to speak to a real person who can provide me with answers as to why they were looking at my information in the absence of any attempt by me to do business with them.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: MOHELA
State: NY
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 put my account on some administrative forbearance without my authorization, consent or request. They did this on their own. I just checked studentaid.gov, and it says that this forbearance is delaying my PSLF progress. I have tried calling MOHELA numerous times, but they are not open when I am home. When I try calling during the work day, I am put on an hour hold. There is no viable option to contact anyone at MOHELA to correct their error. I would like my monthly progress towards PSLF restored, and my payment count updated immediately. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

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 2023-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found there are three fraudulent credit card accounts on my credit report from XXXX. I called XXXX, and they have frozen my credit score and disputed the collections amounts. 
XXXX fraudulent credit cards from XXXX bank. XXXX collection amount is {$5700.00}, and another collection amount is {$15000.00}. The credit report shows that these two accounts were opened in XX/XX/XXXX. They are all fraud accounts, I have never opened a credit card at XXXX Bank, and I do not recognize these two credit card accounts from XXXX Bank. 
XXXX fraud credit card from wells fargo bank. The collection amount is {$2500.00}, this account showed was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I have never opened any credit card at that time only had the account opened for 5 months. Its a fraud account, I do not recognize this credit card account. 
My social security number must get stolen from the letters I put in my recycle and my identity was stolen to use an open credit card.

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 2020-01-16
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance Owed : {$18000.00}

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