BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was notified of a hard inquiry on my credit from Capital One on XX/XX/2023. I did not apply for anything with them. I immediately called them and informed them of this fraudulent account. They confirmed that an account exists with my name and social security number. They claimed that the date of birth on file was different, so they could not close the account. I was able to find the phone number associated with the account, and it took XXXX minutes of investigation to figure out that it is the phone number of a deceased woman that is no longer in service. It is very concerning that an account like this would pass XXXX in the first place. It is even more concerning that after being notified of this fraudulent account, they won't close it or at the very least flag the account. After, I called the Credit Bureau to report the identity theft, and they told me it was on the bank to cancel the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Citizens Bank sent me a " Home Equity Line of Credit Statement '' dated XX/XX/XXXX for my HELOC held with them. The " Home Equity Line of Credit Summary '' on this statement indicates a " Corresponding Annual Percentage Rate '' of 4.050 %. 

However, online - the Citizens Bank website indicates that my " Interest Rate '' is 2.55 %. 

Also, I referred to my " Home Equity Line of Credit Agreement '' for this account dated XX/XX/XXXX and it also indicates that my interest rate for the statement dated XX/XX/XXXX should be 2.55 %. 

This discrepancy results in a difference of approximately {$130.00} in favor of the bank. 

I attempted to call the phone number provided on the statement, was put on hold and then the call was disconnected after six minutes. I then called my local branch, was put on hold and then that call was disconnected after nine minutes. 

I then attempted to email the bank, but their website does not allow email inquiries related to this issue at this time. 

Please help me obtain resolution for this bank error. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: VA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.

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 2019-09-09
Company: AES/PHEAA
State: MD
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:
My student loan servicer is MyFedLoan.org, and I have been inquiring about the reason for my interest being capitalized several times over the past several years. I understand that there are certain triggering events that could cause interest to capitalize, such as coming out of forbearance. However, the dates on which my interest was capitalized do not all seem to be supported by a valid reason ( although a couple of them do ). I've called a few times and submitted requests in writing to have someone research my account and tell me the justification for capitalizing the interest, but I have not gotten an answer - it's been a year. The interest capitalization represents around {$100000.00} so it's not inconsequential. I would appreciate some assistance in helping me ensure that my student loans are being properly serviced. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have paid on the line of credit for many years and very little has come off the principle. I personally think these second mortgages should be outlawed since you cant take the interest paid off you taxes anymore. I once paid a {$14000.00} dollar lum sum to Fifth Third Bank of XXXX, Ohio! I think i am being taken advantage of BIGTIME!!! Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America really takes advantage of me. 

1- when I pay a vendor online for a service, Bank of America takes 2 weeks to process the payment. Now the problem is that Boa declined the charge after couple of days and then telling that vendor declined the payment. Worse what boa does is that Bank of America will never return the money. 

I am in a loss as follows : {$100.00} submitted on XX/XX/23 for XXXX XXXX XXXX {$320.00} submitted on XX/XX/23 for XXXX XXXX XXXX I never received the service from this vendor and Bank of America never returned the money. 


Thank 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 monetary relief
Consumer complaint received 2023-12-12
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Mohela loan repayment was set to begin in XX/XX/2023. I used the app feature to message on XX/XX/2023 of writing in to change my due date from the beginning of the month to the end of the month. I received no response so I decided to call. When speaking to the representative, they reported that they would change my due date and that I wouldnt have to worry about making a payment until XXXX. I was relieved and appreciative. I followed up in the app to ensure it was also updated, at which time I received notification that my loans went into forbearance until XXXX. I was grateful for how things had worked out because I am struggling with debt. I checked in XXXX and their status was still in forbearance until XX/XX/2023, only to find out yesterday that they have reported non-payment on my credit!!!! This is unacceptable! I would have found a way to pay my loans to not affect my credit score if they had not lied about changes to my due date and forbearance status. I am being crushed by this debt and now my credit score has to suffer. I need help navigating where to go from here, I will not recover from this as it continues to accumulate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 To Management Named As XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report in XX/XX/2023. 

I demand under FCRA : Section XXXX : XXXX. Permissible Purpose XXXX. My written authorization XXXX. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: PA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account number # XXXX, 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 an 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. 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
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 2023-12-12
Company: MOHELA
State: MD
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:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against MOHELA, a service provider for student loans, for their persistent negligence and incompetence in managing my Public Service Loan Forgiveness ( PSLF ) employment verification and qualifying payment count. 

Since XX/XX/2023, I have submitted several PSLF employment verification forms to MOHELA. Despite this, they have consistently failed to process these submissions and apply the qualifying payment count to my account. This ongoing issue has not only caused significant stress and inconvenience but also stands as a barrier to my financial well-being and progress in loan forgiveness under the PSLF program. 

Such a level of service is unacceptable and unbecoming of a company tasked with managing a matter as crucial as student loans. It is imperative that MOHELA be held accountable for their actions, or lack thereof, to ensure that borrowers like myself are not unduly harmed by their incompetence. 

I urge the Consumer Financial Protection Bureau to take this complaint seriously and conduct a thorough investigation into MOHELA 's practices regarding the handling of PSLF forms and payment counts. It is vital that measures are taken to rectify this situation promptly and prevent similar occurrences in the future. 

Thank you for your attention to this matter. I am hopeful that with your intervention, a resolution can be reached that upholds the rights and interests of student loan borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And the violated my rights numerous of times .I demand the counts listed below be removed. 


According to 15USC 1681 ; I have the rights to privacy and I did not give Equifax permission to furnish these accounts Account : XXXX XXXX XXXX Dates XX/XX/22 XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX  XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does XXXX, Transunion and XXXX  do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks 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 2023-08-13
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 information incorrect

Complaint:
I got a personal loan for {$1500.00} from XXXX XXXX XXXX. This company shows itself as if they're non profit and they work to help XXXX but it's not true. I was negatively affected by natural disaster in XXXX XXXX on XXXX XXXX 2023 so I reached out to them to defer payment till XXXX. They charged me twice at the beginning of this month and I paid {$210.00}. I have NO past-due balance with them. I got an alert from credit bureaus on Friday stating that this company reported me as past-due and my credit score dropped XXXX points! I am in the process of moving. I was going to apply for an apartment tomorrow. Because of their unethical, inhumane and wrong reporting, my life is very negatively affected. I can't rent any apartment without security deposit now. I don't even know if they will accept me because my score dropped huge. This company violated my rights and they have to be held accountable. Moreover, they need to be investigated for bad business practices targeting vulnerable XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive tried to open a capital one XXXX  account multiple times and have been denied for some reason. This is my first time trying to make a Bank account I dont know why Ive been denied so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXXBalance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXXDate Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXBalance XXXX XXXX XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXBalance : XXXX XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: SYNCHRONY FINANCIAL
State: IA
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:
On XX/XX/2021 I applied for a XXXX XXXX XXXX  Credit Card for my business XXXX XXXX, XXXX. After submitting my application I received an online message from XXXX XXXX  that stated the following : Please call this number and provide this reference # to complete application process : XXXX Your application reference number is XXXX. 

I called the phone # provided as directed and they advised I would be receiving a letter in the mail explaining why my application for credit was denied ( attached ). They explained my application was denied because they were not able to verify my business phone #. I asked why I wasn't given the opportunity to verify this information as the message stated I needed to call to complete my application. They were not able to answer any of my questions and said I would need to re-apply. I asked how they verify business phone # 's and advised my business phone # provided on the application is my cell phone #, I don't have a business landline phone # and I wasn't given the opportunity to verify my business information and explain this. 
I also asked them how I could be denied credit for a reason not based on my credit report but based on an error on their end and they could not answer this.

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