BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am concerned regarding a breach of privacy and rights regarding my Mohela Loan Vendor, and involving the bank XXXX XXXX XXXX. 

In XXXX of this year, I received a letter dated XXXX stating my auto debit bank account information had been changed after a request made by my bank. 

This action negated a previous change I had made to my auto-debit account information on XXXX/XXXX/2016 and had been processed by Mohela for my XXXX 2016 loan payment. 

The information provided by Mohela in the letter indicates that they changed my auto-debit information without my consent back to an old account number that existed with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been absorbed by XXXX XXXX XXXX and my account number with XXXX was/is no longer valid. This is what started the whole process of changing my auto-debits in XXXX, 2016. 

After being contacted by Mohela I reached out to them and was told that I had followed all procedures correctly for my change in XXXX of 2016 and they verified the change became active and successful for my XXXX payment. They then told me that despite this I would have to reinitiate a change back to my preferred account because the information that I entered in XXXX was no longer in the system due to this contact from XXXX XXXX XXXX. When I called XXXX to discuss why they would change this information without my consent, and why they would use an old and invalid account number, I received no answers. They claimed there was no record of them initiating a change, but they would look into the issue. I have not heard any more on the matter from XXXX. 

My issue is twofold. First, I have to repeat a time-consuming process that I have already completed. But, more importantly, I am making loan payments to an institution that seems to have very loose controls on my account information. After following their process, giving my consent, and waiting for the change to enter their system all this work was negated by one phone call that did not come from me -- the only authorized user of my account. Not only did they make the change without my consent, they did not verify the change with me, instead choosing to notify me by letter of what had happened without my knowledge. 
I do not understand who is at fault most primarily in this situation, and however - neither Mohela nor XXXX requested my consent for any changes and for that fact, I feel there has been an egregious privacy breach by both institutions regarding my personal information and preferences. It has at times elevated my level of XXXX in my quality of life and marriage, and going forward gives me little faith in the privacy rights I have with Mohela. 

Thank you for reading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a request to review inaccurate information on my Equifax credit report on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received a letter from Equifax stating that the public record of bankruptcy on my credit file has been " verified ''. I have no other documentation, validation or proof of this claim and am demanding that this be removed from my credit file immediately. This claim has caused me great emotional and financial distress, and I was supposed to have this validation information provided to me within 15 days of the conclusion of their investigation per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the reporting of my student loan on all three credit reports, XXXX, XXXX, and Equifax. The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the reporting of my student loan on all three credit reports, TransUnion, XXXX, and XXXX The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.

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 2015-10-07
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Midland Funding XXXX XXXX has been put on notice not to communicate with me at my place of business number of times .. I have repeatedly requested all calls to stop, yet they continue to call.. I have put the request in writing as well as verbally requested this many many times..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My Citi Simplicity credit card number had been stolen a month ago. I worked with Citi Simplicity to contest and resolve unauthorized charges on my card, and was issued XXXX new cards. After review of my statement from the past month, I realized that of the XXXX unauthorized charges, all had been credited back except XXXX. I called the number on the back of my new card to speak with someone so that I could get this overlooked charge removed. I have tried calling the past 3 days, all while being on hold for 30+ minutes, resulting in having to hang up each time. Recently today I called the fraud department # that was on the text message I received, thinking that would fast track me, no luck. In this case I was on hold for 15 minutes, then an automated recording came on to tell me to call back later. I use this card heavily every month for work expenses, I expect to be able to get in contact with my credit card company, should there be a charge that I did not make. As of this afternoon, I have yet to speak to an actual person, while I still have an unauthorized charge on my 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 monetary relief
Consumer complaint received 2016-09-13
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I failed to pay an annual renewal fee on my credit card. The creditor then charged me a late fee of {$27.00} and reported me 30 days late to the credit bureaus, harming my credit score. I think they should have simply closed the account when I failed to pay the renewal fee. My failure to pay should be deemed a failure to renew.

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 2016-05-18
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
This is a follow-up to Case Number XXXX. 
I spoke just now with a customer service representative with American Express, in response to an email requesting that I call. 

The issue ( AGAIN ) was the amount allegedly due on my Amex Blue CASH card, now cancelled by Amex. I explained ( AGAIN ) about the XXXX proofs of payment I mailed in XXXX XXXX and again in XXXX XXXX. I told her the results of the XXXX investigation : " everything is fine. You may use your card. '' I made a charge in XX/XX/XXXX. In XX/XX/XXXX, proving that I had been able to use my credit card because the question about the missing payment from XX/XX/XXXX had been resolved. 

The customer service representative told me : 1. " There are no notes in your file about any investigation. There are no case numbers, no dates of investigations. '' 2. " According to your file, you have not made a payment on this account since XX/XX/XXXX. '' 3. " There are no notes in your file about any refund check. '' I am completely outraged by the incompetence of American Express. They have the nerve to harass me about a grossly overdue payment, but have erased all evidence of the investigations and the documents I submitted for XXXX investigations. 

I should not be made to suffer because of their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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:
RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They took my money from my account, showed it was posted and processed, then took it away two days later and charged me late fees when my payment was 2 days early. Fought with me for 8 hours and wo n't fix their mistake now I 'm out {$50.00} and on too of that I have to pay fees that should n't be there. Nothing but lying crooks and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was attacked by an ex brother and his friend. During the attack the stole my wallet and cell phone.On XX/XX/XXXX I was XXXX and had my sister call the bank to lock my card they wouldnt let her. On XX/XX/XXXX we called Capital one again to file a dispute after seeing multiple purchases on the account. The bank declined the dispute without asking for any documentation. However I reopened the dispute and sent in my XXXX XXXX letter and a copy of the police report. They made me wait over 3 weeks just to come back with the same decision, stating declined. The charges on the account they said are regular purchases however I provided proof I was XXXX on the dates the purchases were made and a police report proving I was attacked. I am now homeless not being able to have visitation with my kids due to the negligence of Capital one. If they wouldve allowed my sister to lock my account while I was unconscious, having multiple ct scans and mris then none of this fraud wouldve happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
There's a person that works for XXXX that keeps hacking my account transferring money that doesn't belong to them and his name is XXXX XXXX bonds and a couple more people as well please help me figure out and stop this person he's a crazy ex boyfriend

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been on the phone for 7.5 hours trying to get my credit report straighten out with trans union the information they have on my report is incorrect and they have people that can hardly speak English and I advised them there should be nothing pending on my report and they kept talking in jiberish that I could not understand and I advised them that XXXX XXXX plus dollars was paid off on the XX/XX/XXXX and should be closed out and they said it is not their responsibility to correct the problem I also contacted the creditors that were paid off and they said it is n't there problem to get it off my report so I am being held up on buying a home of about XXXX or XXXX items that show in collections that were paid off by my health insurance. I guess their purpose is to keep people from buying anything and not taking responsibility for their action I think this is criminal XXXX and would like this issue resolved that is why our country is in the shape it is in now and people are voting for someone who is not getting paid under the table to look the other way which I am sure you are also but I have stated my complaint and I believe that you all will just look at it as oh well just another complaint aint know wonder people are going nuts in this country I am beginning to see why just by dealing with it 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 2015-11-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland credit management account XXXX amount {$630.00} opened. XXXX has been reporting inaccurate on my credit and is in violation of federal law. This account is a collection account and is reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this account from my XXXX credit report for violating the fcra and inaccurately reporting account statuse as well as account type.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX bank did not comply with the Fair Credit Reporting Act, section 611. I submitted a judgement ( attached ) regarding the disputed amount on XXXX XXXX, 2015, and they failed to respond within the statutory 5 business day period, even when I had provided my email and requested to be notified via email to expedite the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: LA
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/XXXX, XX/XX/XXXX and many other times I have disputed this information because the inquiries on my credit reports are fraudulent and were not made by me. I am a XXXX veteran  and I have not tried to buy a vehicle since XXXX. I did not try to buy a vehicle in XXXX or XXXX nor XXXX! Nor have I applied for any credit! 

XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have contacted these companies individually and they keep redirecting me to the credit bureaus and the credit bureaus wont even investigated it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: AL
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 XXXX  account XXXX has violated my rights 15 U.S.C1681 section 602A states I have the right to privacy 15 U.S.C 1681 A section 2 It also states a consumer reporting agency can not furnish a account without 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 2020-04-17
Company: CITIBANK, N.A.
State: MI
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 made arrangements with Citi Bank to settle a Home Depot credit card balance for XXXX. I received a letter from Citi Bank that was dated XX/XX/2020 stating the details of settlement. On XX/XX/2020 I made a payment of XXXX to settle the debt with Citi Bank for the Home Depot credit card. I was given the confirmation number XXXX. I was told by the representative that the account would be reported as settled to the credit bureaus with a XXXX  balance. In the letter I received, it also stated the amount i was to pay ( XXXX ) and that the account would be reported as settled. However, the account status was never changed and the payment was reported as just a regularly payment that was taken off of the original balance. It was not reported as settled. Citi bank still shows that I owe them a balance for this acct. I disputed with all 3 credit bureaus and Citi Bank is stating the information is correct. I have not been able to get in touch with a representative from Citi Bank and have been on hold for over an hr each time I have tried to contact 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 2020-08-07
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection notice from Optimum Outcomes, collecting for XXXX XXXX XXXX XXXX. a hospital bill. I NEVER received a bill from the hospital nor do I recall services provided on XX/XX/2020. 

This matter is being looked in to by a medical advocate for seniors, as well as re-investigating this with the original creditor. I am requesting time to look into this matter pursuant to the FAIR CREDIT REPORTING ACT and the FAIR CREDIT BILLING ACT.

Company response to consumer: Closed with explanation