BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: MOHELA
State: FL
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:
Consumer Finance : Please take action against Mohela. 

1. They do not respond to emails for weeks.

2. In order to get a hold of anyone on the phone, student loan borrowers have to listen to approximately 10 minutes of monologue recording that often has nothing to do with the reason for calling.

3. They have repeatedly put my accounts in forbearance, despite my telling them repeatedly not to make changes to my accounts without my consent. They told me on the phone that the administrative forbearance does not stop interest accumulation and they may not be able to have lifted the forbearance until after the end of the month. Thus, significant interest will accrue and I will miss out on a qualifying payment towards loan forgiveness ( they say that if I make a payment while Im in forbearance, it would be applied to the next month, and they would refuse to make it qualify for PSLF.

4. Their representative admitted to me on the phone that there are large numbers of student loan forgiveness pursuers who have also called and asked they not force forbearances. They say because of that, there is a backlog, so they may not be able to get to my forbearance lift quickly. Hence, if they didn't force accounts into forbearance, they wouldn't have these issues. Mohela really needs to be more fully scrutinized, regulated, and monitored by overhead financial institutions that take consumer protection seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my concern about the current policy of asking consumers to send sensitive personal information via traditional mail, such as driver 's licenses, social security numbers, addresses, and utility bills. While I understand the necessity of collecting this information for credit reporting purposes, the current method poses significant risks regarding potential loss, theft, or misplacement, which could further compromise individuals ' credit security. 

I've attached the recent response and all requested documents uploaded to this secure portal.

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 2023-11-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
Some one used my credit information and applied at companies which resulted with multiple inquires on my credit report that shouldn't be there. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: NJ
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 have try to find a common ground on a dispute with Experian and also requested on reinvestigation with Experian and got to the point where they don't respond and haven't since the last 60 days from 2 past disputes numerous disputes have been submitted for this account with no compliance with FCRA requirements. On XX/XX/2022 I sent XXXX a 1099C and they never responded as well. At this point I'm not getting any answers from EXPERIAN nor XXXX XXXX XXXX. I have sent the attached supporting documents demanding to delete this account since they have not answered back at all with timely fashion correspondence. Please remove this account from my Experian consumer 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 2023-11-19
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XXXX i did a bill pay for XXXX went to check my account that morning on the XXXX and noticed a fraudulent deduction from my account for XXXX called key bank immediately to advise them of this fraudulent deduction and they stated they had to investigate it. I did put in the dispute and requested the money be refunded immediately. Then i proceed to transfer more money in fear my bill pays of XXXX would not be satisfied even though there was over XXXX in the account. Got home from work and went online again and another company by the name of XXXXXXXX XXXX pulled XXXX from my account fraudulently. I called Key Bank again and reported this and to this day none of the money has been refunded to my account even though both those transactions were in a pending status when I called, and I attempted to report the fraud and stop it. Key Bank takes the XXXX from my overall balance and then places it in a hold status instead of paying the bill even though they pulled the money directly from my overall balance they are now claiming they are returning the XXXX to me. When I questioned them as to why even though the money was already pulled from my over balance including both those fraud amounts leaving me with XXXX in my account, they are saying they are returning it to me because they are claiming there was not enough money in the account ; This is false. They're practices are deceitful and false. They hole no interest whatsoever in protecting the consumer instead they manipulate the consumer money for their own benefit as well as the false parties taking money from the account. Another example would be 3 months ago when I called Key Bank and explained that various XXXX cable subscriptions were pulling money from my account even though I didn't have the stations. I kept telling Key bank that I didn't have the subscriptions and I can prove it by taking a picture of my TV screen to show that I did not have the stations. XXXX said they needed to investigate and charged my account regardless. They did not work in my favor they paid out to various cables subscriptions with my money for stations that i did not have. I have spoken with several supervisors and the dispute department regarding this. I have had to cut up my debit cards with Key Bank 8 times. Its ridiculous. and now once again they are saying they need to investigate the 2 fraudulent=ent amounts I want my money back. I am sick of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, 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 2023-11-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
These inquiries are unauthorized and they are not related to any transactions by me. 
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

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
For 6 months I've been calling, emailing, and submitting documentation to ED Financial. I was approved for Borrowers Defense at 100 % due to my schools closing and being on the list for automatic discharge. They are still billing me while my case is pending. I've tried applying for forbearance and discharge until it's resolved..never an acknowledgement of application or a response received. I've submitted documentation of zero balance from my original loan carrier and that was ignored. I've filed multiple complaints with XXXX XXXX XXXX and XXXX XXXX XXXX and that was ignored. I want resolution and what's fair. I should not be receiving bills or showing a past due while my Borrowers Defense is pending. One step away from lawsuit as I haven't been able to resolve within 6 months time.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NV
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:
I got Inquiries that I never apply

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
10* public records reported on Experian credit report with out authorization. Very personal information! 10 separate reports

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 2023-11-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir/Madam, I am writing to address a concerning issue regarding inaccuracies in my credit report, as documented in my report dated XX/XX/2023. Several items were initially deleted, providing relief and resulting in a credit score of XXXX. Regrettably, upon re-evaluating my credit report on XX/XX/2023, I discovered the re-inclusion of XXXX XXXX # XXXX and the persistent presence of XXXX, fraudulently affecting my credit score, which dropped by XXXX points to XXXX. 

The following items were initially deleted : XXXX. XXXX XXXXXXXX # XXXX ( Unauthorized ) XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX 's XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX Despite the previous removal, the re-appearance of XXXX XXXX # XXXX is deeply concerning and suggests a lapse in data integrity. Moreover, the ongoing inclusion of XXXX # XXXX, despite my previous dispute and the evidence of identity theft provided in the attached data breach notification from XXXX XXXX is distressing. 

I have attached documentation, including the data breach notification from XXXX, which identifies me as a victim of identity theft ( FTC # XXXX ). Given this evidence, I kindly request the immediate removal, block, and deletion of the aforementioned items from my credit report. 

I understand the gravity of identity theft-related matters and will not hesitate to escalate this issue by filing another complaint with the Consumer Financial Protection Bureau ( CFPB ) if necessary. I trust that you will promptly investigate and rectify these discrepancies in accordance with the Fair Credit Reporting Act. 

* Please delete, remove and block these creditors and inquiries. 

Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this issue expediently. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LVNV Funding llc opened a collection that was fraudulently account on my credit file and i would like for it to be removed from my file as soon as possible because its affecting my credit file he hindering me from pursuing my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citi Priority, I opened a new acct in XXXX, I deposited {$15000.00}, I received a debit card, checks, a pin, a confirmation letter. I even tried to deposit more. All of a sudden, they froze my acct & wouldn't tell me why. On XXXX, they sent me a letter saying they closed it because I violated the account terms per the client manual, but won't tell me how, I only had the acct open for less than a week. They said they will mail me my XXXX, sometime in the future. I am very financially responsible person w a very high credit score!

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 2023-10-25
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: 1st Franklin Financial Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
1st Franklin Shared Private information to an non affiliated Third party I demand my information be removed immediately from the consumer reporting agencies XXXX, XXXX and XXXX Also XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased Windows to be fabricated and installed by XXXX XXXX. XX/XX/XXXX the team was at my house to start the install. During the install it was obvious that what was fabricated was not what I had ordered. Every window had an extra 1.5 inch frame which reduced the glass by at least 3 inches. Some windows were fabricated with a different grid pattern, some were way to large to be installed, all were far too small and required at least 2 inches of caulk to fill the gap. All of the windows facing the XXXX leaked when it rained. What did get installed, they installed over the rotted wood. Every window was fabricated with the grid being XXXX inches from the side, which caused the XXXX inch windows to look like jail cells. My kitchen window was so bad they weren't even in disagreement. My foyer had XXXX windows of which I had a picture window fabricated. They left the frame which had grooves on the top and the bottom of the window, where the T was. They expected me to patch it with paste, and stain it, with the understanding it is in a foyer on the second floor. After 7 months of them coming out to my house, they still had no solution. I instructed them to cancel the install, process a refund and I would purchase from another company. XX/XX/XXXX I requested XXXX XXXX be at my home to remove the partially installed windows the same day the new company would be installing. XXXX reps from XXXX XXXX came to my home XXXX weeks later to pick up the windows and I instructed them that I had left the rotted frames on all of the windows to show management. XXXX XXXX has refused to process a refund to this date.

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 2023-11-28
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX of 2023 I sent XXXX to clean up credit never happen then company took XXXX buck I called to cancel service didn't happen so I changed banking info and wasn't reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting 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:
From XXXX I have been in and out of XXXX with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through XXXX. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.

Company response to consumer: Closed with explanation