BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Ive been approached by Portfolio Recovery Assoiciates, LLC multiple times regarding 4 debt collection accounts that all pass the statue of limitations and expired. They keep reaching out to me to collect the debt. I have been sending letter and disputing it with XXXX XXXX XXXX XXXX to get it removed on my credit report but nothing. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: LFG Data Services Holdings, LP
State: NV
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, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX  Site coordinator Account name : XXXX XXXX XXXX  Account name : XXXX XXXX retailer Account name : XXXX XXXX violates 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So basically after I literally put all my money into another bank account, its only been 1 week since the switch happened.I literally was just about change my direct deposit and they just completely kicked me out of my own account with no warning. Bank of America is closing my account and wont explain why. I never did anything illegal with my account its literally my work checks direct deposited every 2 weeks. I feel like they are discriminating against me because of my race. Its no other options, because I legit work everyday I have my money deposited into the account. Its in my account records you can see how many checks from work has been deposited. Im very upset and I think its unprofessional of them to not even warn me or even explain why. Its sneaky and a easy way to discriminate.

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: MOHELA
State: AR
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 was solicited by MOHELA to convert from a low interest student loan ( that I was happy with ) to a direct loan and apply for temporary PSLF waiver as I had completed over 10 years full-time employment at a 501 ( c ) 3 nonprofit employer. 

I went through the necessary actions to verify my qualifications for this and if this was done before XX/XX/2022 I would have my loans forgiven through this temporary PSLF waiver. 

However, after appropriately submitting this information in XX/XX/2022 and having employer sign off, MOHELA did not inform me of a processing error on their part despite multiple attempts by phone, emails, and online communication regarding processing timeline. 

They ( MOHELA ) even advised me to switch to a much more financially burdensome IDR repayment plan under the premise that this would expedite my PSLF approval. I would not have signed up for this plan otherwise. 

Now, after once again contacting MOHELA for assistance and re-processing paperwork with new PSLF application, I have received notification that I do not qualify for complete PSLF. 

They ( MOHELA ) have essentially performed a bait and switch from a student loan payment plan and company at a locked-in, low interest rate ( that I was very happy with ) to now paying a higher interest rate and higher monthly repayment from false advertising. MOHELA has been negligently misleading, unprofessional, and with poor customer service for which they should be held to account.

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 2023-09-05
Company: EQUIFAX, INC.
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:
First thank you for taking time to read my complaint which has been generated by me, XXXX XXXX XXXX. Recently, I was checking my credit report and found unrecognized accounts. I have contacted with Equifax to understand why those accounts has been reported. Equifax told me if you don't recognize following accounts sent us FTC report. I have sent several letters to Equifax They have removed few accounts but there is still one XXXX XXXX account in my credit file. I have never authorized XXXX XXXX XXXX to approve or view my credit file. This is serious breach to my privacy and personal information. Equifax has certified that account belongs to me. Right now I would like to know how they have verified following account as accurate. What actions Equifax took to verify fraudulent account? I am requesting from Equifax to start immediately investigation and remove following fraudulent and unrecognized account from my credit file. I believe that Equifax has never contacted to company who reports following fraudulent account. 
Please be advised this complaint and any other letters has been generated by me and I have never allowed any third party to sent those letters under my name. I appreciate your time for reading this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Prosper Marketplace, Inc.
State: NY
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:
XX/XX/2022 RE : 15 US Code 1666b - Timing of payments- Legal Information. 

Dear Sir/Madam : I checked my personal credit report, which I acquired from my XXXX  on XX/XX/2022 and I noticed a late payment from your company on it. I request that you initiate an investigation into late payments pursuant 15 USC1666b -Timing of payments to determine if PROSPER MARKETPLACE was in compliance of this law when issuing this late payment on my report. Once your investigation is complete, and you find my allegation to be true, please remove the unauthorized late and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the 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 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Between XX/XX/2019, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to fraudulent investment firm ( 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 2023-09-29
Company: MOHELA
State: PR
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 sent the XXXX request about a month ago ( late because before that the system wasn't working ), and it still hasn't been processed, now I received a bill that I can not afford to pay, and I'm wondering if I'm actually expected to pay it even though I have a submitted but unprocessed 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 2023-08-09
Company: EQUIFAX, INC.
State: VA
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:
this is my SECOND WRITTEN REQUEST. This is a formal complaint that you, XXXX & Equifax, are reporting inaccurate and incomplete credit information. XXXX and Equifax are violating my consumer rights according to, 15 USC 1681e ( b ) Compliance and procedures ( b ) and 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

I am seeking the IMMEDIATE REMOVAL of the Accounts due to its inaccuracy since the debts. According to U.S. Code 8 - Obligation or other security of the United States defined, I OWE NO DEBT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I submitted my IDR application ( with tax documentation ) to change my IDR to the REPAYE plan ( now the SAVE plan ) on XX/XX/2023 and it still has not been approved. I was told it should take only 30 days to process this request and yet it still says its processing after nearly 75 days. My initial repayment plan was Income-Contingent Repayment ( ICR ), which was approved for PSLF. However, MOHELA removed me from ICR and has put me on " Level '', or the Standard Repayment plan, with the monthly payment amount due saying I owe approximately {$190.00}. 

When I called them in XXXX, they told me my XX/XX/XXXX application " was rejected, '' which is not correct because on their website it currently says my application is still processing. The representative told me to reapply, so I reapplied on Dept. of Education 's website after the phone call. Then, I called back in XXXX to ask why my re-application was taking so long, and the representative refused to give a reason why neither application was accepted. Instead, they told me to once again reapply over the phone. I now have 3 applications in XXXX, XXXX, and XXXX, none of which have been approved and MOHELA has refused to provide an explanation and just continues to suggest I reapply. 

MOHELA has effectively done has *removed* me from my PSLF-eligible repayment plan ( ICR ), put me in a repayment plan that it PSLF-ineligible, and appears to be *preventing* me from getting on the SAVE plan, even though I am completely eligible. I want them to put me on the SAVE plan immediately as it is my legal right to be in the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Dovenmuehle Mortgage, Inc.
State: MN
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:
Im in the process of trying to XXXX  with a different lender, I noticed my Credit Score decrease by XXXX points, when I looked there was a late charge in XXXX on my credit- I had a grace period to get my payment in which I paid by and they still reported me to the Credit Bureau XXXX This is very irresponsible- I reached out and and asked a rep to send copy to my explanation this was a error on there part, after she did verify the payment was made by the Grace period and they had to remove the late fee. They failed to update my credit report which have caused my credit to fall drastically. Im very disappointed on everything I have been through with this Company and the very reason Im trying to find a different lender to service my Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Block, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent what looks like a VISA Debit Card from Cash App, which I did not apply for. I have never used Cash App. The included card is potentially very convincing, with my name, an account number, CVV, and expiration date. The insert the card was attached to contains no information that would always be included with a new account, such as interest rates, terms of service, etc. The return address on the envelope is a XXXX XXXX XXXX XXXX XXXX, which is not the address listed on Cash App 's website. A check with the credit bureau shows now such account opened in my name. My name is also spelled slightly wrong on the card. I suspect a phishing scam would begin if I scanned the included QR code or called XXXX, the phone number printed on the card. 

To be clear, I don't believe Cash App is itself involved if this is a scam. If it turns out they are behind this, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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:
On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, XXXX, and Transunion consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.

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 2023-07-21
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To Whom It May Concern, On XX/XX/XXXX I was provided a contact for a loan at 7.125 % with no points pay down, a loan origination fee of ~ {$1500.00} and a rate lock fee ~ {$500.00} which included the appraisal fee. XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, NMLS ID # XXXX provided me this contract and I signed it on XX/XX/XXXX. Offically entering into an agreement with Freedom Mortgage. 

I used this information to make decisions to sell my home, to buy another home and to pick closing dates. Also, based on the agreed upon rates and fees I made decisions not to shop this loan as it was a great deal. 

On XX/XX/XXXX, 6 days before we are supposed to close we received a closing disclosure that had a rate buy down fee of {$5400.00}, and an appraisal fee of {$250.00}. These fees were not in the original agreement. We believe this was done intentionally to force us into an unfair position essentially forcing us to choose to either agree to the extra loan cost or risk being sued by the sellers of the new home for breach of contract. Also, by not agreeing to these new extra costs we are being forced to find temporary housing while we seek a loan with lower costs. 

For resolution : We would like to continue to do business with a freedom mortgage at the original agreed upon rates and fee schedule which included no rate buy down fees and no appraisal fees. We also request Freedom Mortgage to pay any cost associated with temporary housing as a result of us needing to now shop this loan resulting in an extended closing date. We also request freedom to pay attorney fees and cost associated with lawsuits from 3rd parties that XXXX result in our inability to close on the home that we were going to purchase at 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 2023-09-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to XXXX with my children and sister the XXXX of 2021. I had prepaid my trip, thru my timeshare the year before, but when I got to XXXX, they claimed they didn't have the reservation. After XXXX if going back and forth and the timeshare sending them the information ( the hotel XXXX XXXX ), which they claimed they didn't receive, I was charged again for the room. The room wasnt what it was supposed to be and most amenities were not available as promised. I learned it was fraud and my bank Navy Federal, has fraud protection. I had even called while still in XXXX. I gave them all the documents when I returned and because of how the hotel wrote the receipt, they refused to help me. This is not okay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Experian Information Solutions Inc.
State: AZ
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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