BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: MOHELA
State: IL
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 requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. 
I have multiple attempts to contact MOHELA regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. 
The only response I have received is that XXXX XXXX has to process the request as my account was transferred from them. I have contacted XXXX XXXX and they have said that all inquiries must be directed to you. 
I am again requesting a full refund of all payments made to both MOHELA and XXXX XXXX during the COVID-19 pandemic forbearance. Respectfully, I demand that MOHELA fulfills its new responsibilities as the servicer of this loan, and properly coordinates with XXXX XXXX to expeditiously facilitate the processing of this request as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: MN
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:
Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my XXXX XXXX, XXXX  and Experian credit report : XXXX XXXX XXXX, {$8500.00} and XXXX XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my XXXX XXXX, XXXX and Experian credit report.

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 2022-08-26
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
Equifax, XXXX and XXXX has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax pretends they are investigating. Equifax responded they investigated XXXX  XXXX, which I NEVER made a complaint about. 

The hard inquiries ( XXXX XXXX XXXXXXXX XXXX ), 200 SOFT INQUIRES, and 2 accounts from ( DEPT OF ED/XXXX  ) was never removed as I demanded. I NEVER GAVE MY CONSENT OR PERMISSION to report. I provided the FTC report on multiple occasions including uploading it to the prior complaint through CFPB and STILL Equifax is getting away with reporting inaccuracies to my consumer report. This is unjust, this is FRAUD. This is an on-going pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Back in 2014, I was harassed, received, and lied to by Navient. I was told repeatedly that I would not receive any kind of impact on my credit. I followed all of their instruction and made the payment amounts they told me to make and they ended up reporting 4 months of being deliquent siting it was not for the full amount. Because I have XXXX loans, they are reporting late payments XXXX x 4 no this. This has RUINED my credit. I have asked they they pull up the recordings of phone calls and they claim they can not find them or that the phone call never occurred. When I told them I would record my calls for.my own proof, they said they ca n't speak to me. I have been fighting this for 3 years. I just was on the phone with them for 2 hours. I am in tears. They have lied in their notes to make it look as if I was late. In 2014, I was threatened and told I was a lowlife that should have thought twice about borrowing money and that they will get it from me no matter what even if they had to take my assets to pay it off. That recording could never be found. If you look at my history with them, I have never missed a payment up until those 4 months in question. I had reached out to them as I was having financially difficulty at the time and repeatedly told them, I would work with them and they assured me that they would n't do anything to hard my credit. I am so glad they they are being investigated. I am a good person and minus the 36 missed pmts they are reporting, I would have near perfect credit. I recently requested that they be removed back in XXXX via email. 5 days later, I had to request again because I received no response. I emailed them again on XXXX XXXX for an update and someone FINALLY just called. Legally, they have 30 days to respond or they have to reverse it I thought? Well, they claim to have sent a letter that I never received. But after my 3rd attempt and 2 months later is the first time I actually got a phone call and an email. I am literally in tears for what they have done. I have lived with this for 3 years. Their lies, deception, harassment and unwillingness to help and or work with me is the worst feeling in the world. I even tried to negotiate to knock it down to half of the missed pmts just for ANYTHING and they wo n't. I literally feel helpless and I do n't know what I can do aside from having to live with it. To make matters worse, I have tried to get someone else to consolidate this debt and get myself away from then, and guess what? I ca n't. Because I have these 36 deliquent pmts and the impact it has done to my.credit score, it has removed that as an option for me. It 's almost as if it was done on purpose as a way to keep the debt under them and not give me any option to move it elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Apparently someone has my SSN and name and applied for a credit card with XXXX XXXX XXXX  on XX/XX/2022. XXXX to find number and called XXXX on XX/XX/2022 and was able to report it to XXXX XXXX XXXX and they have cancelled it due to fraud. Its on my credit report as a hard inquiry. How do I get that removed? I spoke with XXXX. He gave me an employee ID number and he gave me the number to National Fraud Hotline. Please help.

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 2017-08-21
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:
In XXXX of XXXX I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX  paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of XXXX XXXX California Sheriff 's  department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. Experian, XXXX and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.

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 2017-04-13
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX dba XXXX office manager XXXX, billed to our Care Credit/Synchrony Bank Account for work that was to be done in the FAR future, not within 30 days. This work has still not been rendered, but they are STILL expecting us to pay for. XXXX told us that we were signing as ESTIMATE to lock in the prices, NOT they it gave permission to bill our Care Credit card. After this, they fired the Dentist I HIRED to do the work. I asked that ALL charges for servies not rendered to be refunded immediately, as I was going to follow XXXX to wherever he went to. XXXX REFUSED, stating work HAD been done. I asked for my file to be sent to me, XXXX never did. I filed a dispute with Care Credit. Care Credit sent me the information that XXXX sent them ; in this packet of information, was ALL of my PERSONAL information that I had asked for & XXXX refused to give me. In this was my Patient Ledger AND ALL the Clinical Notes with my personal information!!! I did NOT give XXXX nor XXXX my permission to release ANY of my personal information!! This is in DIRECT violation of HIPPA!! Once I got all this information, I compared the Patient Ledger to the Clinical Notes, figured out what was ACTUALLY done & then paid accordingly. Care Credit & XXXX REFUSED to take the bogus charges off the account. I ca n't get any more dental work done until the charges are removed. I XXXX. This is causing MANY issues with my health & well being & my relationship with my husband. I HAVE PROOF THAT THE WORK THEY ARE BILLING FOR HAS NOT BEEN DONE!!! I REFUSE TO PAY FOR WORK THAT HAS NOT BEEN DONE!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX and Experian has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account 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 explanation
Consumer complaint received 2017-08-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I obtain credit lines with community bank over a year ago. I have XXXX credit lines with them for Victoria secrets, anne taylor, and XXXX. My XXXX XXXX was XXXX last year right before the new year. There was no life insurance nor do I receive social security. I missed a lot of work during that time in addition to having had XXXX and my son younger son becoming ill and having to have his adenoids removed. I fell delinquent. I tried to make arrangements but what I could pay they were not willing to accept. I became displaced and had to live with a family member for a while. I reached out to them to place me on a hardship program which they could not without taking a down payment. I told them the money they were trying to collect I did not have but if they could make more reasonable arrangements I could work with them. Each time I spoke with a manager she /he promised to call me back with a resolution but they never did. I continued to call still with no resolution. Finally I called and was threatened with having my wages garnished. I advised the rep that she could not do that without first filing a law suit. I reported the incident to a manager who again apologized but no action was taken, this same manager indicated she would call me back but never did. I have since received calls from them sometimes over 20 times a day back to back. I have asked them to stop calling me if they are not willing to work with me and harassing me and the calls still have not stopped. They have been in multiple violations of the fair debt credit collection act but simply do not care. I am not nor was I ever trying to get out of the debt but I wanted to come to a sensible resolution. At this point the calls have become harassing. Once I brought it to their attention they started alternating between the types of calls ie private and then sometimes from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-05-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
amex has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have negative items on my credit report I also have disputed these items in XXXX and I have not seen any changes or notification as to why these items are on my report

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 2018-05-08
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I financed XXXX XXXX XXXX XXXX through Ally. On XX/XX/XXXX the vehicle was involved in a accident that resulted in total loss. Ally was contacted by XXXX claims department and was payed {$14000.00} issued on XX/XX/XXXX. When I originally purchased the car, I also purchased GAP insurance. I first contacted Ally on XX/XX/XXXX when I started getting phone calls from XXXX XXXX XXXX in confusion when payment was received. I spoke with a Ally rep named XXXX who said " your account was coded wrong this should have been coded for total loss but instead it was coded collections. '' I have made several attempts by phone to get my GAP information so I can file my GAP claim to cover the remainder amount {$830.00} of the loan. No one at Ally including supervisor are of any assistance. I am always being told that no one can access my file to get the paperwork needed. Every time I call, I am forwarded to the collections department. Ally has falsely reported the account to collections which this has reported negativity on all 3 credit bureaus and no one is able to help me get the information I need to start Gap insurance process. I am constantly receiving collection calls from XXXX XXXX at XXXX XXXX XXXX. XXXX and I have discussed the paperwork I needed. XXXX said that he requested the paperwork from Ally, but that a lie. All I am requesting is this to be removed off my credit and the information needed to submit the GAP claim.

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 2017-04-14
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I recently submitted a dispute on my credit card for a car rental. I had taken a rental car but after driving for 2 days, I wanted to add my husband as an additional driver. I called the company and they told me to do that I had to go back to the office and add him. We did that and then asked if we could add the toll pass for one day also and were told yes. My estimated charges reflected the changes yet after we turned in the car I was emailed a receipt that charged me from day one of the rental for the changes I made day XXXX. I called and they wouldnt fix it so I disputed the amount of the extra charge. My credit card company, Chase called me while I was on vacation so I attempted to call the lady back but she would n't return my calls over the next four hours so I called back in and asked for customer service and they said the call was to ask additional information. I was afraid they were calling because I was traveling and using the charge card. Later the next week I finally heard from the lady and she asked a few questions about the receipts I sent in. She said she was having a computer issue and could n't see the receipts but would let me know if there was a problem. She also said they had already just sent out a letter asking for information but since we talked do n't worry about it. I let it go for a while then got another letter so I called her again. For two days I did n't get a return call so I called and asked for a supervisor. I was told the dispute was closed as I did n't follow up. I told her that was inaccurate and that I wanted it reopened. I was told I had to fax in a letter which I did but have not heard anything further. I was so angry that they denied this claim as it was blatant misuse of my credit card and this was the second time they have done it. I had another dispute a couple of years ago that the provisions in the credit card should have covered me for as it promised protections for purchases on the internet and it did n't cover it like it should have then either and that XXXX cost me over {$400.00}. I am not sure of who is overseeing the credit card companies card protections but if they promise to protect why are they not made to be responsible for that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an invitation from HSBC bank to open a new checking account and if I make two bills pay for three month, I will receive bonds of {$370.00}. I went to branch and open the account back on XX/XX/XXXX. I met the requirements but I did not receive what I was promised. 
I called the XXXX # three weeks ago I was told we will investigated and get back to you in 24 hours. I never heard back. I stooped at branch I spoke with XXXX and XXXX the person who open the account for me. I was told it take three months after I met the requirements I told him that passed a few month ago. She called the XXXX # and was asked to submit a request to investigate the mater and I will get a call in a day or two. Two weeks passed by never heat back. I called again XXXX said that I did not meet the. I have been make bill payment more than XXXX times. Some one has to hold those people accountable for the misleading services. PLEASE SEE BELOW. 
XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX PYMT {$100.00} XX/XX/XXXX PAYMENT TO XXXXELEC PYMT {$59.00} XX/XX/XXXX DEPOSIT {$2800.00} XX/XX/XXXX ONLINE PAYMENT TO XXXX XXXX PROCESSED ON:XX/XX/XXXX REFERENCE NUMBER : XXXX {$460.00} XX/XX/XXXX PAYMENT TO XXXX-XXXX {$1400.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$65.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX {$84.00} XX/XX/XXXX PAYMENT TO XXXX ONLINE-PAYMENT {$250.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX-ELEC PYMT {$52.00} XXXX/XXXX/XXXX DEPOSIT {$2800.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$62.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$77.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$740.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$370.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$16.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$180.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$51.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$54.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$570.00} Debit ( - ) Credit ( + ) XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$540.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX {$360.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$570.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$70.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} THANKS

Company response to consumer: Closed with non-monetary relief