BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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 am writing to file a formal complaint against XXXX XXXX XXXX XXXX, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request XXXX XXXX XXXX XXXX, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from XXXX XXXX XXXX XXXX. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe XXXX XXXX XXXX XXXX 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of XXXX XXXX XXXX XXXX with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that XXXX XXXX XXXX XXXX be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are a result of identity theft. I did it authorize these accounts and they should be removed immediately under the law. 

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 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Monday XX/XX/XXXX at night I used the Capital One travel portal to book a hotel. Capital One gives a price match guarantee for all travel booked through their portal. I booked the XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX check in and XX/XX/XXXX check out. When I go to price match I must find the total price another website would charge me and I found on stayforless.com a total price for {$180.00}. 
The price on Capital One was {$210.00} total. I did have a {$100.00} credit which applied to the price of XXXX. Also, {$23.00} of the total price was not due at that moment and was due when I arrived at the hotel. So XXXX {$94.00} is what I paid on my credit card at that moment. Because I had a separate XXXX $ credit and because I don't pay the XXXX customer service told me they would not price match. I explained that price matching is meant to be on the total price not some lesser amount. I think they should have credited me back XXXX $ ( XXXX = XXXX ) and that is the amount I'm seeking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN Credit Reporting Agency is reporting my Registered Business ; XXXX XXXX on my Consumer file and has connected it to my personal information. Account : US DEPT OF ED account # XXXX is connected to my personal information and account and needs to be removed immediately. 
I am the XXXX XXXX XXXX of my Estate. 
My Estate is identified with EIN number 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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with XXXX XXXX, and credit card accounts from Bank of America, XXXX XXXX, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: MD
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 sent off a letter on XX/XX/2023. Here are my tracking # 's ( XXXX ), ( XXXX ) To remove personal information i do not want on my credit report. According to the fair credit act 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802.No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.

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 2023-07-26
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone impersonated a trainer and I sent them membership fees, but they never sent any membership forms. Shortly after they changed their XXXX contact info and I have not been able 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 2023-02-17
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I am having trouble with my loan servicer, Mohela, updating my Public Service Loan Forgiveness ( PSLF ) employment certified form ( ECF ) payment period counts. 

Currently Mohela lists me as having XXXX ( out of XXXX for PSLF ) eligible payment periods for forgiveness. In XX/XX/XXXX, I submitted a new ECF form ( form XXXX attached ) signed by the XXXX to bring my certified payment periods from XXXX to the required XXXX. Mohela took several months to process the form, and then declared it a 'Duplicate Form ' and did not update my payment counts. I called Mohela in XX/XX/XXXX to inquire as to what happened, and they said the erroneously marked it as duplicate. 

This reprocessing showed on my online account. In XXXX the re-submitted form still showed as processing. In XXXX it still showed as processing. At that time, in XXXX, I had 10 months of PSLF eligible payment periods that were showing in my Mohela account as 'not employment certified '. So, I decided to submit a new ECF form ( Form XXXX ) signed by the USPHS to cover my employment period through XX/XX/XXXX. 

In XX/XX/XXXX, Mohela erased my re-processing form from my 'Documents Recieved ' online status page, and marked my new ECF from XXXX as a duplicate form. My PSLF certified payment count remains XXXX, when it should now be XXXX. I called Mohela, and they said the new form was once again marked 'Duplicate Form ' in their error, and they they would 'expidite ' the reprocessing within 30 days. 

I have been eligible for XXXX since XXXX of XXXX. Since then, Mohela has made two errors in processing my ECF forms by marking them duplicates and neglected to finish re-processing a form that they said they would reprocess because of their own error.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: TX
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:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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 2023-11-09
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
i sent a prior dispute but needed to update we authorized only the charges from XXXX XXXX XXXX XXXXXXXX XXXX CA this is correct the card we now know was duplicated and used after the hacking and texts messages sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Company My mortgage was just sold by XXXX XXXX  to PHH Mortgage in XX/XX/2023 XX/XX/2023 Sent paperwork via email per procedure listed on their form from their website for Bi-weekly payments. 
I didn't hear back from them so I called requesting information about 3 weeks later and was told I didn't fill out the paperwork correctly ... no specifics given. 
XX/XX/2023 Re-sent same paperwork again for bi-weekly payments highlighting applicable section for bi-weekly payments. 
Called a week later verifying everything was in order. This time I was told my mortgage needed to be paid up a month ahead to start the process for bi-weekly payments. 
I paid the normal monthly payment via automatic payment on XX/XX/2023. On XX/XX/2023 I paid an additional payment to start the bi-weekly payment. 
On XX/XX/2023 I talked with XXXX in the XXXX Department ( XXXX XXXX ) and she said she was going to get it taken care of and call me on Wednesday XX/XX/2023 once she could verify that the process was complete. I didn't get a phone call so I called again today, XX/XX/2023. The agent tried telling me that I didn't have the paperwork in and that I needed to be paid up a month in advance. I showed him that I was paid up a month in advance. He said that payment was mis-applied and now it needs to be reclassified and that'll take up to 5 days and when that's done, XXXX will contact me ( like she contacted me before ). Every time I call I get an excuse that something isn't right with the paperwork or the paperwork was misread. Every time I call I'm left with no solution, just a " wait and somebody will get back to you ''. 
There are two things going on. One, they advertise a bi-weekly payment option, but don't want to do it through a discouraging process. Two, they took an extra payment from me illegally to pay down a loan if they have no intention of fulfilling their end of the process by implementing a bi-weekly payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NV
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried on Numerous Occasions to Contact the new XXXXXXXX XXXX  Co that took over my account from Prior Handler XXXX. Now Called " aidVantage ''. I can not get ahold of Anyone since my 1st call when I was on the phone for 2hrs and the customer Service rep informed me she could not help me until the last name was put in the system Properly ( My Last Name was spelled incorrectly. Spelling is XXXX they have it under XXXX. The Rep could not fix it while I was on hold waiting back and forth over 8 different times. While on hold again the call was Disconnected. Unfortunately, I have not been able to reach anyone to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After being a Bank of America customer for over 45 years, all my Bank of America accounts are being suddenly closed for no apparent reason. This includes my checking account, safety deposit box and credit card. I am a good customer, credit card balance is XXXX, over $ XXXX in the checking account, no overdrafts or late payments. 

I received letters for each of these products on XX/XX/2023 saying they were being closed, and only one offered a clue as to why, saying : " your risk profile no longer align 's with the bank 's risk tolerance ''. There have been no changes in our financial life. Same job making over $ XXXX annually for the last 13 years. 

When I called the bank, they simply said they had the right to close the account and did not have to explain. I suggested that there might be an error, and they would not listen, hanging up on me. I called their fraud department to see if something had happened to my accounts, and they said everything was normal.

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 2023-02-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2018, a XXXX XXXX personal loan in the amount of {$16000.00}, was opened without my consent. I have been victim of identity theft since my personal information was leaked from the data breach from XXXX. I've also received information that my personal email address and passwords were hacked based on findings from an Experian report. I have filed a total of XXXX different ID theft police reports since the XXXX breach. I've also filed an ID Theft affidavit as well as FTC reports for the numerous fraudulent accounts that were being opened with my personal information. I've previously disputed this account with Experian, in which they blocked the account from appearing on my report. But a year later, the account reappeared on my credit history and Experian has not yet removed the account despite my numerous disputes submitted and phone calls with Experians Fraud Department. I've sent them all the police reports, FTC reports and notarized ID theft affidavits that validate my claim and yet the account still remains. The other credit bureaus have removed the account permanently without any issues.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: NV
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 request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. As listed below. 
XXXX XXXX XX/XX/2023

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