BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: MOHELA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My Mohela account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} 2 PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my 2parent plus loans from XXXX , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my 3 loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to do so, However ; Mohela started reporting 2 additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to Mohela and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; Mohela refuses to remove the 2 Parent Plus loans or the {$16000.00} loan ( s ). 
I have also complained to Mohela re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, XXXX, or Transunion ) credit report, and an erroneous late payment posted on my credit report : SXXXX XXXX XXXX XXXX  Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am writing to dispute the following unauthorized hard credit inquiries on my credit report : XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

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 2023-09-06
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
We were advised by XXXX XXXX, Code Enforcement XXXX for XXXX XXXX, TN. Around XX/XX/XXXX, that XXXX XXXX on XXXX XXXX XXXX here in XXXX XXXX are prone to sinkholes. There were no mention of the sinkholes by XXXX XXXX XXXX XXXX XXXX XXXX, Title and Escrow, XXXX XXXX of XXXX Banker, and realtor XXXX XXXX of XXXX XXXX. We found out about not just the sinkholes, but that the fact that our condo is built on the top of a slate rock cave ( address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. ) and was told by XXXX XXXX herself to my XXXX XXXX partner XXXX XXXX, whose name is on the deed with mine. There were no PLAT maps accessible there at The Title and Escrow place. In ALL of our closing documents there is no such documentation about sinkholes, and the condo being built on top of a XXXX  XXXX XXXX. Me and XXXX have been living XXXX XXXX that this place will sink into the ground at any moment. XXXX XXXX said that this condo will definitely not sustain the length/life of the loan. I have mobility issues, XXXX and I are both agoraphobic, so resilience and optimism are two thing that were stolen from us. We are both on tightly fixed incomes. I had a grand mal XXXX XX/XX/XXXX and died. This stress of knowing this soul crushing truth has had a lot of negative impact on both XXXX 's mentality and mine. If XXXX XXXX calls you ; talk to him! I can not handle much more stress cause if I have another XXXX, it could possibly kill me. We deserve a lot of compensation for our suffering, being exploited, and public apologies. Tennessee is so corrupt, still, even now. I forward everything to XXXX XXXX 's email. I am no longer putting myself on the back burner. This is me voicing out all over the entirety of everywhere that, IT IS NOW OUR TURN to feel safe and to know what real security is. 

XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
So the issue is that I had a major injury during my vacation. I had to go to the hospital in XXXX. They told me that everything would be {$5000.00}. So I agreed and they did XXXX and recovery. Then I got these additional charges, and they are justifying it because they had my credit card to use it. I don't have it in writing as I was rushed into the XXXX. But the idea as you can see from all the disputes that they charged me 3 times. 

I have disputed all 3 charges and let them know that one of them should be for XXXX XXXX only. Yet they are not listening and are allowing the disputes to cancel and this hospital in XXXX XXXX to just charge me XXXX I want them to cancel the 2 un-acceptable charges against the card. And lower the main charge to the XXXX XXXX that was promised to me before I was rushed into XXXX. 

To add onto all of this I had to get a second XXXX here in the USA to fix and remove all the damage they did during the original XXXX. So I paid for a XXXX that literally did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received an upgrade offer from American Express in XXXX of XXXX - in exchange for upgrading my card to a different one with an annual fee, I would be awarded points after spending so much money. I feel like this was a bait and switch, or maybe a bait and you get nothing but an annual fee and we get more money. 

The specific offer was upgrade from a card with zero annual fee to one with a {$99.00} annual fee. In exchange for the annual fee, points rewarded on purchases are higher than the card with zero annual fee, and I was supposed to receive a bonus of XXXX points after making {$3000.00} in purchases within 3 months. 

The offer sounded good, and on XX/XX/XXXX I completed the upgrade online using the link provided in the email. I completed the purchasing requirement within the time frame, however I never received the points. I've made multiple calls, spending hours on the phone trying to get the points, but I'm simply told that the offer code wasn't on my account for the upgrade, therefore they will not reward them. 

Sorry, but if there's a back-end issue, and my upgrade offer isn't attached to my account through the black box that runs the website and links to accounts, that's not my problem. I even called after applying for the upgrade and was told that it wouldn't reflect on my account for a while. 

After getting nowhere through escalating my calls, I sent two certified, signature required letters to their corporate locations in New York, NY and XXXX, TX. These were signed for XXXX XXXX and XXXX XXXX, respectively, on XX/XX/XXXX. 

I've given American Express 8 weeks to reply, and I haven't even gotten an acknowledgement that they received my letters, or any other contact except for sending more offers for other stuff or to upgrade my card to the next tier. Again, the main reason I went from a free card to one with an annual fee was for the XXXX point bonus. 

I've included as many supporting documents as I could to show what I expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Bread Financial Holdings, Inc.
State: MA
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:
In accordance with the FCRA ( Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: EQUIFAX, 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 XXXX Acct # XXXX opened XX/XX/2021, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am XXXX of a XXXX XXXX that has a checking account with Truist. This is 100 % nonprofit and there are no paid employees and no one receives compensation. We are the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL. XXXX XXXX  we noticed XXXX charges on our checking account. The organization does not have an XXXX account nor has made any XXXX charges. I called an cancelled the debit card. XX/XX/ we see not only were the charges not reversed but they had continued totalling around {$800.00}. We have called several times and in XX/XX/ did receive a notice by mail ( attached ) detailing the disputed charges. The charges still have not been reversed and everytime I call we get no answers. I then went to our branch manager who said she would look into it and get back to me. She did not and I have been calling every few days for 3 weeks now and every time they say she is " with a customer. '' Calling the XXXX over and over and staring with a new person is time consuming and extremely frustrating. It is completely unacceptable that Truist does not properly handle fraud cases. THE FRAUDEULENT XXXX CHARGES ON OUR ACCOUNT NEED TO BE REVERSED.

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 2023-10-01
Company: Nelnet, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I initiated an XXXX Credit Bureau dispute on XXXX Credit Bureau reporting accounts Dept of EducationXXXX XXXX the accounts had been transferred to XXXX/Dept of Education on XX/XX/2023 XXXX XXXX responded on XX/XX/2023 the dispute process was completed and no changes to the Nelnet account had been updated, it remained the same. Therefore XXXX is continuing to report 10 duplicate Federal Student Loan accounts the balance with Nelnet remained on my report. 
On XX/XX/2023 I filed another dispute with the XXXXXXXX Credit Bureau to dispute the same XXXX Credit Bureau reporting accounts Dept of EducationXXXX XXXX my dispute is the accounts have incorrect balances, the balances are XXXX. Nelnet was paid in full XX/XX/2023, Nelnet should no longer be reporting a balance as of XX/XX/2023. 
On XX/XX/2023, I received XXXX response to my dispute, dispute process was complete. The information remain unchanged. I had difficult reaching someone at XXXX, that's ongoing issue, contacted member services who transferred my call to dispute representative who understood my dispute, however best the rep could do was to file another one. I informed the XXXX XXXX, the information is easily confirmed via their website and automated system, the XXXX accounts were paid in full XX/XX/2023 total {$130000.00} and all account balances reflects {$0.00}. This is XXXX disputes, I informed the rep, XXXX should be capable to correcting this information through a phone call themselves, I should not have to wait another 30 days to get another notification that the dispute was complete and the information remain unchanged due to their inability to confirm the balance with Nelnet. It's unfair to me as the consumer and I have information being reported that is incorrect and is knowingly incorrect but XXXX fail to update it. I have attached a copy of the Nelnet Statement and Payment history that reflect the date the payments were paid in full and the balance is XXXX. Why is this unable to be correctly updated in XXXX Reporting? This takes up too much time to continue this process, it's very frustrating, really wish you guys consider doing away with these type of consumer reporting risk companies. There has to be another way to obtain accurate information without consumers having to go through this type of steps to learn it is not removed after having written and confirmed proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I sent certified letters to the company as they violated federal law reporting my payments as late to the credit bureaus. I have never given them permission to release my personal information which again violates federal consumer protection laws. They have reported me as late with payments. I want them deleted off of all the credit bureaus reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Transfer wise of company is fraud and closed my account without prior warning and thereby frozen my funds unlawfully rendering me homeless without refunding me. 

Wise closed my account around XX/XX/2023 and I filed an appeal on XX/XX/2023 for me to get a refund and wise has told me over email that they will not refund me. 

Normally when an account is deactivated, the funds inside the account is always refunded to the owner. 

Considering the nature of my need for this money I need wise to refund to my bank account. 

I do not have any dispute in my account and wise is holding my funds unlawfully rendering me homeless. 

To resolve this matter to my satisfaction, I am requesting that wise should refund me my money back now This is very frustrating for a company trusted to hold peoples money to deactivate accounts without warning and also without giving out the money to the owners. 

As a result of this, I have been rendered homeless as I am not able to pay my rent and I sleep at motor parks. 

Since XX/XX/2023 I have been homeless and sleeping on motor parks as I am homeless and my landlord threw my things outside as a result of wise holding the money I wanted using to renew my rent. 

Wise in response said that they may hold my money for 5-20 days, but in this case it is more than 5-20 days since XX/XX/2023. 

I will attach wise response saying they may hold the money for 5-20 days. 

This is very unlawful and I need my refund back. 

I have reported this matter to XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX XXXX XXXX as this is considered as a fraud. 

I am requesting that wise should uphold this complaint and process my refund to me immediately and also wise should tender an apology to me for the damages caused as a result of this. 


The email associated with my wise is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX  Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/20XXXX 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 2023-08-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is in response to complaint XXXX and XXXX. This is now the third time I submitted a complaint through the CFPB regarding Citi and in both instances they claim they can not identify me in their response to the CFPB ( and therefore not submitting their response to the CFBP for review ) while simultaneously providing a response to me ( because they clearly were able to identify me because I submitted all the necessary information for them to be able to identify me ). This is clearly what Citi does intentionally to avoid the CFPB from reviewing Citi 's actions and failures regarding complaints and Citi must be held accountable for their shenanigans. Citi still has not resolved the issue and returned the {$400.00} to me for a charge that was not authorized by me. They must make this right.

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 2023-08-13
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt owed to XXXX XXXX  and received a copy of the account balance that showed {$0.00} being owed and Willams and Fudge XXXX XXXX XXXX XXXX XXXX, SC XXXX, refused to take the collection off of my credit despite being told and receiving a copy of the updated account balance. it has been over a week since they were contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
For the last 3 months XXXX, XXXX XXXX, and XXXX and creditors have been having abusive reporting reporting on accounts more than one time a month. My credit profile is being abused because of my XXXX name. I have white colleagues and counterparts who has shared their credit profiles with me with very similar credit backgrounds or worse and their creit scores are reflecting higher with minimal credit history established. I am reporting because I believe my race based upon my XXXX name is influencing my credit fluctuations and the reason why Im receiving credit abuse

Company response to consumer: Closed with explanation