BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Due to poor customer service at Mohela, I'm unable to have my application for XXXX processed. In XXXX or XXXX XXXX  XXXX  I submitted an application for XXXX to XXXX XXXX. I received a letter in XXXXXXXX XXXX XXXX  informing me that my application was received and would be sent to Mohela for further processing. I then spent the last several months trying to get in touch with someone at Mohela. However you can't send them a message without an account, so I created an account and sent a message. Unfortunately, I never received a response to my issue, only a generic response about the XXXX program. I also tried for months to contact Mohela by phone, but was never able to wait the time required to speak to their customer service representatives. I finally was able to speak with someone today. They informed me that my application was approved, and that they were waiting on my loans to transfer. I was able to confirm with my loan servicer, XXXX, that a request to have my loans transferred to Mohela was never received. I asked XXXX if I could have the funds transferred, and I was informed only Mohela could do so. I told Mohela today that XXXX never received the request for transfer of my funds. I asked Mohela to re-submit the request. After an hour plus wait, they informed me that they could not. I asked to speak to a supervisor and after an hour and a half of waiting, have still not been able to speak to anyone. I do not understand why they can not re-submit a request for the transfer, am at a loss as to how to resolve the issue, and am deeply frustrated with their poor customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I submitted request to XXXX, Experian, And XXXX  to dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.

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 2023-01-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, though I have only been a little late once in XXXX of XXXX, since obtaining the loan in XXXX of XXXX, illegally reports to the credit bureau on the XXXX or XXXX day instead of on the XXXX day, which is required per the Fair Credit Reporting Act. Please address this issue and ensure that my credit report is reflecting correctly. I have attempted to clear this up with the credit reporting agencies. After calling XXXX XXXX XXXX, at XXXX  point, they stated that payments were due by the XXXX ( grace period ), as my payments are due on the XXXX, but they reported well before the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from credit cards such as XXXX  XXXX, XXXX ; which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo refused and dishonored my attempt to make deposits of negotiable instruments which are permitted by law. Wells Fargo corporate office sent a letter on XX/XX/2023 stating that the instruments which were checks drawn upon me to be deposited on demand by law and contained all requirements required by USC 3-104 and are payable on demand. Laws governing negotiable instruments were provided and still refused which caused financial hardship because of Wells Fargo negligence.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX NEVADA XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$2500.00}

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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have previous disputed the un authorized inquiries and an account that is not charged off or ever late

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
I have no knowledge of or consent to these following credit inquiries, and it has been placed on my credit report without my authorization. This unauthorized inquiry not only damages my credit score but also constitutes a potential violation of consumer protection laws and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: AZ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} AFFIRM XXXX XXXX Balance Owed : {$1000.00}

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: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One XXXX XXXX Account xxxx XXXX I am writing to you to request your understanding and support during these unprecedented times. The COVID-19 pandemic has caused financial difficulties for many people, including myself, and I was struggling to keep up with my payments. 
I called to make sure you were aware that I was affected by covid -19 per the cares act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) I want to assure you that I am committed to meeting my financial obligations, but due to the impact of the pandemic. 

I am reaching out to you in the hope that you can show some leniency and understanding towards my situation. I am requesting that you consider removing the late payments from my account per the cares act. 

I hope that you will take into account the extenuating circumstances surrounding the pandemic and the hardships it has caused. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX/XXXX XXXX unauthorized debt of {$2000.00}. I have disputed this several times with the credit bureau 's and they advised it was removed on XX/XX/XXXX. On XX/XX/XXXX the debt returned under XXXX XXXX XXXX for a higher balance of {$3100.00}. 

XXXX XXXX- was opened in XXXX as well for {$1400.00}. It was also disputed as fraud and removed. It's now reflecting on my credit account under Portfolio Recovery as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened Bank of America XXXX XXXX XXXX checking account on XX/XX/2022. Confirmation number is XXXX. Terms of the promotion : {$20000.00} deposit in 30 days and maintain balance for 90 days to receive {$500.00} opening bonus. Deposit was made on XX/XX/2022. The bonus never arrived. Called customer service who logged the ticket with the promise to contact back with resolution. After not hearing back for several weeks another contact via chat stated that I dont qualify.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-26
Company: U.S. BANCORP
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:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of USBANK XXXX I believe it was reporting in error.

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX had my personal info compromised. I do not apply for anything online. Both companies XXXX  and alsoXXXX XXXX have both agreed to remove.due to fraud. They have removed from XXXX  and XXXX already XXXX transunion had failed to remove even though the companies have agreed to remove. Please have transunion remobe from file or i will file suit for fraudulent info on transunion 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 2020-06-19
Company: Experian Information Solutions 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:
I submitted a complaint about Experian on XX/XX/XXXX. Telling them that this stuff on my credit report is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans Experian is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX, XXXX XXXX, XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX I did not apply for a XXXX XXXX or XXXX card Please look at the forms I sent you on XX/XX/XXXX. 

They respond with this. Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

How could they determine or think that I was not submitting a complaint against them for reporting things I said are not mine I had no knowledge & is freaking fraud?????? I keep going back & forth & back & forth. I am asking again please delete this stuff from my credit 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 2022-07-26
Company: AMERICAN HONDA FINANCE CORP
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: Investigation took more than 30 days

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of AM HONDA FIN XXXX I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac is overcharging me for my escrow. Pennymac has used Calendar Year XXXX Property Taxes to calculate my annual escrow amounts for XXXX. When using Calendar Year - PennyMac is using two different years- taking amounts from both XXXX and XXXX to calculate my XXXX escrow payments. The XXXX XXXX XXXX says that Mortgage companies typically use fiscal year - and PennyMac has always used Fiscal Year in the past to calculate my escrow amounts. 

My Property Tax is broken into two payments ; For XXXX ( Total Tax = {$3000.00} ) XX/XX/XXXX XXXX for first half of calendar year XXXX ) = {$1300.00} XXXX  XXXX XXXX for Second half of calendar year XXXX ) = {$1600.00} For XXXX ( Total Tax = {$3100.00} ) XX/XX/XXXX XXXX for first half of calendar year XXXX ) = {$1500.00} XXXX  XXXX XXXX for Second half of calendar year XXXX ) = {$1500.00}. 

PennyMac has take the second half of Calendar year XXXX and added it to the first half of XXXX - using two different tax years to calculate my escrow. They are also comparing it to a split XXXX year - and because the town did not split the annual tax proportionally - PennyMac is claiming that my property tax went up {$550.00} dollars - which is not true. The Town Clerk and Treasurer/Collector ( ( XXXX XXXX XXXX Option 2 ) told me they have never seen a mortgage company calculate escrow by bills paid annually rather that Fiscal Year. My property tax only increased by {$80.00}. 

PennyMac is making me pay them {$1200.00} for a {$100.00} dollar annual increase Taxes and insurance. ( They have asked me to make payments of {$670.00} + {$280.00}, along with increasing my monthly escrow/mortgage payment by {$39.00} XXXX {$310.00} ). These additional payments are not justified. 

My property tax did increase between XXXX and XXXX - and I calculate a {$40.00} shortage between what I paid in and what my taxes/insurance actually were. In XXXX, I will be paying into my escrow account {$1100.00} ( {$290.00} XXXX thru XXXX XXXX + {$2700.00} XXXX {$330.00} XXXX thru XXXX XXXX for a total annual escrow balance of {$3800.00}. My XXXX property tax has already been set by the town and it is {$3100.00}. My insurance is {$900.00}. I will be {$150.00} short. 

PennyMac is making me pay {$1200.00}. With the shortages paid {$190.00} XXXX {$40.00} + XXXX ) ... ... PennyMac will be getting an additional {$1000.00} for escrow reserves, which is much more than they need. 

PennyMac is only required to have 2 months in escrow reserves - which comes to {$670.00}.

Therefore, I would like the Escrow Reserve over payment {$400.00} returned to me.

Company response to consumer: Closed with explanation