BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: PA
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:
Delete all errors on my files and 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 explanation
Consumer complaint received 2023-12-18
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: Account information incorrect

Complaint:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


I am a victim of identity theft and did not receive notification and there is an address on my credit report that is not mine. I have never lived at XXXX XXXX XXXX XXXX MO XXXX. This address is tied to a fraudulent account with XXXX XXXX MN. 

My rights are being violated

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 2024-01-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I previously filed a CFPB complaint about this issue. My complaint was supposed to be handled by XXXX XXXX at Truist. XXXX never responded to my complaint. I believe XXXX has violated the 45 day rule. 

Truist applied for a different type of line of credit than what I was told I was being applied for. I showed up with funds to create a secured card. They applied me for something entirely different and they have cause harm to my credit report. 

They have disregarded my first complaint and refused to make corrections to my credit report. Truist refused to communicate with me during this complaint process. They never attempted to resolve the issue. They actively ignored my emails and calls and voicemails. 

XXXX Truist.

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 2024-01-16
Company: CCS Financial Services, Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This was misinformation from XXXX to XXXX. I switched insurance companies and because XXXX sent incorrect information XXXX charged me an additional month of charges. I paid the charges to avoid any negative reporting and still I received it on my report. This is bringing down the report. Please remove from my credit report immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: MOHELA
State: IL
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:
Applied for SAVE XX/XX/2023. Advised by Student Aid department that application would take XXXX days. Application approved XX/XX/2023. Received mail from MOHELA confirming application had processed successfully and application had entered SAVE repayment. Setup auto debit online - confirmed due date with first payment in XXXX. 
Reviewed website XX/XX/2023 - loans now placed in Forbearance. Call center first told me it was due to natural disaster is state for which I was not affected - XXXX minutes later, phone representative says it is a processing forbearance and they will charge me for the interest. 
Application had already been approved, auto debit had been approved, mail received confirming due date in XXXX in early XXXX. MOHELA  is unable to confirm info due to long wait lines but I did not consent to this forbearance and it is predatory after I had been informed everything was set for my SAVE enrollment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: MOHELA
State: WY
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:
Mohela sent me a letter saying I would not be charged interest and no payments are due but they are still charging be interest and demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
my employer forms for PLSF were submitted XX/XX/XXXX and XX/XX/XXXX and neither have been processed. i have sent follow up messages asking why they have not processed this given they day it takes up to 30 days. i have sent follow up messages in XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: MOHELA
State: NY
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:
Last week I am not sure the date I made a double payment to Mohela which was taken out of my municipal credit union account XXXX days ago I received a reminder I did not make a payment when I did. I also sent MOHELA my original Employment certification form they told me they have not received it either. Mohela customer service is horrible they make you wait for over XXXX minutes on the phone I want proof and confirmation that my account is up to date and do not want to be charged late fees on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan servicer, MOHELA, notified me on XX/XX/ that my student loans were forgiven as part of the IDR one-time account adjustment. I also received a copy of my Loan Verification from MOHELA as part of their notification. MOHELA stated in the notification letter that they already notified or would notify all national credit bureaus of my student loan forgiveness by the end of XXXX, and that they would process a refund for any payments made towards my loans after the effective date of their forgiveness. 

MOHELA did not notify all three national credit bureaus of my student loan forgiveness until after I filed disputes on my credit reports on XX/XX/. I still have not received a refund for my overpayments and MOHELA has not made any attempt to contact me since I received their notification. 

MOHELA also makes it practically impossible to contact them. They do not provide an email address to contact them at. Their internal secure messaging portal does not give an option to send a message about IDR account adjustment refunds nor does it give an option to send a message about something other than their predefined choices. Their wait-times for phone calls are 1-2 hours or more, and their website explicitly states that their customer service representatives have no further information to provide related to forgiveness from IDR account adjustments. 

On top of this, MOHELA updated my loans current principal balance in my customer account and with all three national credit bureaus to {$0.00} even though their XXXX XXXX stated the current principal balance was - {$4600.00}, which is the amount I overpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: MOHELA
State: CT
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 received an email from the US Department of Education indicating that my student loans are eligible for forgiveness and that the Department of Ed would be reaching out to Mohela to process this within the coming months. On XX/XX/XXXX at XXXX XXXX, I reached out to Mohela to advise of this and to request that my payments be suspended until the forgiveness is processed. I was told I would be placed on an administrative forbearance until XXXX to allow time for forgiveness to be processed. Further, I was assured that NO payments of any amount would be due during this forbearance. Despite this, on XX/XX/XXXX I received an email from Mohela advising that my account is past due. I have attempted to call back to Mohela to speak with a manager but " due to high call volume '' none are availabile. When I told the agent I was willing to wait for a manager to be available, I was placed on a perpetual hold. After holding for an hour and a half, I was forced to disconnect the call as I needed to get back to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: CA
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:
I made payments to XXXX XXXX during the COVID forbearance period. My loan was transferred to MOHELA on XX/XX/XXXX when I submitted my waiver to be included in the temporary PSLF program. I received information about I am eligible for a refund of my payments under the CARES Act in XX/XX/XXXX and was told to submit the request to my current loan servicer, MOHELA. I requested the refund of my {$5700.00} in payments made to XXXX XXXX during the COVID forbearance period from XX/XX/XXXX through XX/XX/XXXX under the CARES Act to MOHELA via their online messaging platform on XX/XX/XXXX. MOHELA responded to my message on XX/XX/XXXX stating they received my request and will process the refund, quoting up to 90 days processing on their end and another 90 days for the Department of Treasury ( DOT ) to pay the refund. 

On XX/XX/XXXX I called MOHELA as the funds had not arrived. The representative stated only {$1700.00} was requested to be refunded and the authorization for payment sent to DOT on XX/XX/XXXX. I submitted an appeal for the full {$5700.00} I am owed and uploaded proof of payment for that full amount to MOHELA. I have received no response. 

This morning, XX/XX/XXXX, I was finally able to get a hold of a DOT representative. They said they have no records of a request for payment under my social security number. 

Please help as my family and I are facing extreme financial hardship as we were expecting to have these funds by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MOHELA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I made a payment of {$500.00} the end of XX/XX/2023 to MOHELA, in XXXX my loan was placed on administrative forebearance meaning that payment was not necessary. I requested a refund almost 2 months ago and have not yet been refunded. 

My PSLF payment tracker has also not been updated in 3 months and does not show correct PSLF payments. 

I have emailed MOHELA several times about both issues and their automated response says " 2 days for a response ''. It has now been several months with no response from MOHELA, no refund, and no updated XXXX count. 

I would like my refund to be processed as well as an updated and correct PSLF count. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: MOHELA
State: OR
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:
I was under the impression that I had to reapply annually for my XXXX plan - so I reapplied in XX/XX/XXXX. However, I apparently did not need to reapply until XXXX of XXXX. Because I prematurely submitted an application that was approved I now owe $ XXXX instead of $ XXXX. I have reached out to my servicer ( MOHELA ) multiple times, sat on hold on the phone for hours ( including right now ) only to be told that they have no way of reverting my loans back to my previous status. I was on the phone for about XXXX hours on XXXX, sent a message to them through their portal on XXXX, and am currently on the phone with them XXXX for almost an hour and still waiting. They continue to deny having any ability to change my loans since my application was submitted and approved. I have been dissuaded by multiple representatives from speaking with a supervisor, and have yet to reach one because of the incredible wait time. 

I do not see how this is fair. If I owed {$0.00} per month until XX/XX/XXXX when I would be required to resubmit my application I should not HAVE to pay until then, but MOHELA refuses to work with me. I am also on the XXXX program, which means any qualifying payments count towards the program - I would like for what should be {$0.00} payments until XX/XX/XXXX to count towards the program qualifying payments. 

This is a huge increase in what I owe monthly based on their lack of clarity on when I was required to reapply. Nobody at MOHELA is able to tell me exactly why they can not revert my loans back to their previous status. Nor have I been successful in speaking with a supervisor after being sent through multiple representatives who have not been helpful or encouraging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: MOHELA
State: MA
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 was previously on the XXXX plan with MOHELA. I consolidated my loans and used the same XXXX  application alongside it, in which federal student aid said I was still eligible for XXXX. However, upon consolidation, MOHELA placed me on a level payment plan without my request or consent. My consolidation went through XX/XX/23, and just days later on XX/XX/23 I received my bill stating I owe the level amount they assigned me on XX/XX/23. This billing amount is more than what I would pay on XXXX, and is NOT what I had anticipated. 

I have requested that I go back on my XXXX plan in which Im qualified for, but they have yet to respond. In the meantime, I have sent another XXXX application via XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This dept collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony Bank has been denying me access for a XXXX XXXX credit card and Amazon the last XXXX  years. They have never given me a chance to prove I can pay they just denied me access and I feel it is XXXX XXXX. Every store or vendor I try to get a store card from goes through them and they deny me even when my score is high they deny me access. I can't get a XXXX XXXX or XXXX XXXX XXXX XXXX  cause 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 2023-11-29
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2023 I sent a notice to Experian, XXXX, and XXXX about opting me out of the reporting of the following nonpublic information. The accounts goes as follows ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ]. I am submitting this complaint because I have not received a response nor has the accounts been removed from my 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 explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account 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 If one credit bureau remove something from my credit, then all
three credit reporting agencies should make therefore the information is inaccurate. In this case XXXX removed the collection account from my credit report, but Experian and XXXX have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number 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 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Car has been paid off from other party XXXX XXXX and also XXXX XXXX paid. This was due to other car crashing into my car. XXXX XXXX  has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions 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:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : CHILDSUPPORT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, I made a loan of {$12000.00} to Toyota Finance. And the salesman made him purchase insurance saying he would pay {$72.00} each month. Which I accept. But I did not know why the seller XXXX did not inform that the total amount of that insurance would be lent to the bank along with the {$12000.00}. Now the debt is {$16000.00}. Including the total amount of insurance. Which I don't agree with and I called and sent emails to get them to cancel it. I went to the dealer to have it canceled firmly and they told me it would be within 90 days. Which is not fair. Because they are charging me interest on that insurance loan. Which I pay every month and it will not be returned.

Company response to consumer: Closed with explanation