BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Several weeks ago the Louisiana St. DL system was hacked into and I was advised that I should make certain that my credit was frozen. I did so online with XXXX and XXXX and tried to get my credit information frozen with Experian but the Experian website keeps taking me to a page that requires me to create an account. I fell for this once before with Experian and was charged for requesting to have my credit frozen because Experian requires you to create an account in order to request a credit freeze and then later they bill your credit card for {$25.00} per month. Now I am forced to request a freeze on my credit by mail. 

Why can't Experian just allow people to freeze their credit information on line without having to create an account which Experian later charges you for in a VERY subversive manner? This is a scam and needs to STOP ASAP. 

In addition, I think Experian should reimburse me for the {$25.00} that I was unexpectedly charged to have my credit frozen earlier. 

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 monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX When is the deadline to apply? 
The deadline to apply for a refund is XX/XX/2023.

I received no noticed that the last day to ask for a CARES ACT refund was XX/XX/23. I requested in XX/XX/2023 from MOHELA and FSA complaint and I was declined a refunded stating I applied beyond deadline of XX/XX/2023 whereas I was operating under the guidance of this public XXXX reliable source of end of XX/XX/2023. I am extremely disappointed b/c MOHELA and FSA didn't appropriately OR adequately advertise this XX/XX/23 deadline and I had full reason to believe the deadline was XX/XX/23.

THey should honor the XX/XX/23 deadline. Please help. Please help.

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I opened a savings account at Bank of America and personally deposited {$18000.00}. However, in XX/XX/XXXX, I discovered that my identity had been stolen. A lawyer and advisor from XXXX advised me to notify all my banks and credit card companies, which I did immediately. 

In XX/XX/XXXX, BOFA informed me that my account had been closed and my funds had been frozen. Despite my repeated attempts to resolve the issue with the bank, and retrieve my funds, I have been unable to do so. The bank has provided me with misleading information, and no one from the branch or the claims/fraud department has taken responsibility for the issue. 

On XX/XX/XXXX, I visited a Bank of America branch and provided two forms of ID, as requested. However, they asked me to call the fraud/claims department on XX/XX/XXXX. ( 5 days later ). When I did, they asked me to call back again on XX/XX/XXXX. This back and forth has been going on for almost a month and nobody can give me an update on my case. This has caused me significant stress and frustration, as I have been unable to access tmy funds which I deposited.

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 2023-11-18
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I submitted an IDR request to be moved to the REPAY plan so that I would be on the SAVE plan when it is released. That application was not processed for over two months, so I submitted a new one. Both of those applications were never processed. The first one says it was approved, but I was never placed on the IDR payment plan. Since then, I have submitted two more IDR applications ( for a total of 4 ) with all of them being rejected as " Duplicates '' of the XX/XX/XXXX application. However, the XX/XX/XXXX application was not processed accurately. In XXXX, I filed a complaint through here. On XX/XX/XXXX, Mohela responded that they would fix my account. A few days later, my account was back to the standard repayment level payment. They never fixed anything and blatantly lied in their response.

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: MOHELA
State: TX
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 sent an updated employee verification form to MOHELA on XX/XX/ and asked them to update my PSLF payments. They didn't update anything and just sent me a letter saying they updated the payments. 

The employee verification form is saying that it is still being processed after 3 months later and that I have 17 payments left for my loan to be forgiven. I should show that I only have 5 payments left, only 4 left including the payment they just took from me today for my loans to be forgiven. 

MOHELA is not updating payments correctly nor answering my messages on their website. They also have extremely long wait times when I call customer service and I haven't been able to get anyone on the phone.

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer from my Bank of America account which I have held for 12 years to my business account within the XXXX ( funds held at XXXX XXXX XXXX, managed by XXXX XXXX. Without explanation, the transfer was halted. 

I then called to reverse the halt and to confirm my identity. Since opening my account with BofA XXXX years ago, I have changed passports three times and ID cards ( driver 's license, state ID ) three times. I gave BofA the number of my current passport as well as the number of the previous I had. Additionally, I communicated the number of my NY driver 's license. BofA did not accept any of these document the confirm my identity. Instead, they completely froze me out and I am now not able to access my funds online anymore. 

For further context I currently reside in XXXX and am unable to travel to the XXXX to confirm my identity ( my wife is XXXX  and our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). There is no way for me to ascertain my identity since instead of letting me give them all my ID numbers, they just listened to three and decided I can't access the account. This is a major problem for me since a large portion of my XXXX funds sit with Bank of America.

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 2023-01-10
Company: EQUIFAX, INC.
State: IL
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 these following companies has violated my rights.

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

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

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 XXXX XXXX XXXX : {$120.00XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. XXXX has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. TransUnion is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )

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: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wanting to make sure I was not over charged in fees, ect.

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 2023-11-17
Company: EdFinancial Services
State: NC
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 registered for Auto Pay on XXXX XXXX XXXX. I received a confirmation email that gave me an estimated start date for auto pay to begin of XXXX XXXXXXXX XXXX. On XXXX XXXX XXXX  the auto pay did not happen. This was on a weekend, and the EdFinancial website stated that it could take a few days to reflect the payment processing. I waited a week, and the payment was still not updating. I have tried calling multiple times and have had multiple hours long waits to be disconnected as soon as I apparently reach someone. I have tried emailing them as well only to receive no answer to my emails. After waiting a week. I just made the payment manually, but now EdFinancial is reporting it as a late payment. I then re-registered for Auto Pay with a new estimated start date of XXXX XXXX XXXX. My account still is not showing that Auto Pay has been set up, and I do not believe that my payment will be deducted when it is supposed to be which will result in another late payment.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Someone opened an American Express Card in my name and racked up the balance and never paid on it. I HAVE NEVER EVER HAD AN AMERICAN EXPRESS CARD IN MY LIFE! This is affecting my credit scores now and I want this removed! My name and SSN is on the Dark Web!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: ACIMA CREDIT, LLC
State: GA
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:
XXXX failed to properly investigate account XXXX account # XXXX. Ive dispute this account multiple times. The account is showing late payments with collections. The account has been paid in full. The open date is inaccurate, the close date is inaccurate, the payment history is inaccurate. Showing delinquency after closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
first, I did not apply for a Sams Club credit card. I was shopping at Sams Club, when I was at the register the cashier says to me that I was approved for a XXXX credit limit. I accepted. I spent about XXXX dollars. After that I had not spent any more just made the payments on it every month.I received the credit limit XX/XX/2023 and they took it down to XXXX dollars in XX/XX/2023. The reason I was told that not because I didnt pay them, but because I dont have enough credit limit on my cedit and I have imperfections on my Credit score. 
And also I paid on time, but since the payment does not post for a couple of days that made me late. I did not find this out until I spoke with someone at Sam Club.

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 2023-03-26
Company: EQUIFAX, INC.
State: FL
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:
I am interested in processing disputes on my credit report with eqiuifax. alot of data is inaccurate an needs to be removed asap. please review the information to clear my file so all reports can be cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Netspend Corporation
State: AR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Loaded XXXX dollars in NetSpend prepaid at XXXX XXXXXXXX can not activate nire will they help me activate have called them numerous times same XXXX XXXXXXXX storey

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 2023-05-16
Company: OneMain Finance Corporation
State: DE
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:
today XX/XX/16, I seen an inquiry on my credit report from main financial. Not only was I not looking for a loan, my phone is getting several messages from loan companies as well as my email. When I called they stated that I asked for a {$2000.00} loan, however they only have my name and number in their system. This is fraud and it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove unauthorized accounts and inquiries off my credit report Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries : 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

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 2023-03-26
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Early Warning Services, LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I sent {$370.00} and on XX/XX/2023 I sent {$390.00} through zelle. It was to someone who was saying they were selling me a dog, but when asking for a refund he refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: SUN LOAN COMPANY INC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out the loan and was paying as agreed, extended the loan, and after a payment I had a family issue then job loss. I relayed this information to The Sun Loan Company. They aggressively harass by calling numerous times every day, and call the loan references multiple times. The references did not take out a loan and do not deserve to be harassed. They disclose protected and personal financial information which violates my privacy. They filed a lawsuit then continue to harass. They have googled family members and begun calling random people that may or may not know me, and even after I requested they cease all contact due to a lawsuit being filed they continue to harass.

Company response to consumer: Closed with explanation