BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Issue XXXX : I am awaiting a refund i requested on XXXX XXXX from MOHELA for all student loan payments made since XX/XX/XXXX. That is 77 days ago as of today to give me back about XXXX in payments, which is unacceptable. 

Issue XXXX : I have been in federal service since XXXX and have 138 qualifying payments under PSLF, verified by XXXX, my prior servicer, in early XXXX, yet I am STILL awaiting final review for the limited waiver to add 19 more payments to my total. And of course Im still awaiting forgiveness of my loans. 

My loans should never have been transferred to MOHELA yet here we are. They were transferred in early XXXX despite XXXX telling me i had made more payments than needed for loan forgiveness and i should have been processed by the dept of ed for forgiveness. 

Now i sit and wait. Every time i call MOHELA it takes at least two hours to talk to a human about my status. Once i get that far theyre completely lacking in actual information about what is going on. That usually leads them to transfer me to a supervisor to wait for hours more on hold without ever getting someone who knows what is going on or that can help me. The fact that they continue to get paid by the federal govt to service loans that should have been forgiven in XXXX is unbelievable and a waste of taxpayer dollars. Properly staff the call center if you anticipate high call volumes. Be competent. This is XXXX, get it together. 

After 4 hours on the phone with MOHELA two weeks ago they finally informed me my loans were sent direct to discharge by them to dept of ed. as of XXXX XXXX. Can i even trust that this has happened? All i have is a verbal from them, no actual correspondence. How is this acceptable? 

When will i get my covid refund? When will the limited waiver be applied to add 19 more payments to my total? When will my loans be forgiven? When will i get my second refund for the 19 extra payments i made per the limited waiver rules? 

These folks owe myself and others competent and timely assistance. Im not seeing it so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021, I sent a letter to the consumer report agencies mentioning multiple violations of misleading false reporting on my report. Not only have they not replied to me, I feel like I am being ignored. 
In the FCRPA, according to 15 usc 1681a ( 2 ) ( B ) which talks about exclusions ( meaning suppose to be excluded from the credit report ) it says : " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' When the FCRPA says credit card at a glance you may think they are talking about a visa card or mastercard etc ... but it is not the case here and the FCRPA proves it by specifically mentioning and defining that a credit card means any card not a metal cards plates or coupon books or other devices used in the purpose of obtaining money or property or labor or services on credit but your social security card that is in fact the credit card the FCRPA is talking about.

Now according to 15 usc 1681a under the exclusion section ( B ), anything that was extended or authorized from a credit card ( social security card ) should be excluded from my consumer report. I believe if they do not remove from my credit report, the consumer report agencies are civilly liable reporting this information and it is also inaccurate.

In addition, when the consumer report creates an investigated consumer report, according to 15 usc 1681a under the exclusion section ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Which means that the information that I disputed and that appeared on my credit report should be excluded once and for all.

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 2022-07-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. 

They contacted American Express and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. 

I do not know if American Express has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The house payment was {$540.00}, I missed a payment or 2 while in XXXX, Tried to work with them to fix it but they wanted to foreclose.

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 2023-06-07
Company: EQUIFAX, INC.
State: VA
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:
NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq.

and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.

This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.

2 This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.

( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.

( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.

( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.

( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job during covid 19 and now I'm behind on my mortgage

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 2023-06-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I've already tried many times to fix this with Experian. I've even begged and pleaded. 


My XXXX auto loan shows that I have been late 2 times XX/XX/XXXX and XX/XX/XXXX. Ive request to have these lates removed many time but they are still there. I've asked for a good will / good faith measure as well. See... here 's the problem... These lates do not show up on any other credit bureaus report namely XXXX and XXXX. WHY is it still showing on Experian? All the information should be the same across the board for all XXXX bureaus. This is an inconsistency. 

Also... There is the WRONG address for me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA is NOT my address. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please CORRECT MY ADDRESS to the CORRECT one. 

Also, there is an inquiry on XX/XX/XXXX from XXXX XXXX. This needs to be removed as well.

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 2021-08-26
Company: Experian Information Solutions Inc.
State: WV
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 submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately ( XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX- XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX ) XXXX This is my second request please remove the above accounts and send me a new credit report showing these corrections. 


Experian also has received my FTC identity theft 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-06
Company: EDvantage LLC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This relates to this already filed complaint # XXXX, Company has reach out to me with the attached email. However it must be established that I never took any students loan from them nor did I owe XXXX XXXX any fees, but they ( Tuition Options ) connived with XXXX XXXX and made me pay so far an amount to the tune of $ XXXX.This is what I need back with its accrued interest. I need all the payments I made to them back with interest. I am not sure what they want me to sign on the attached email. 

Please help me get my monies back. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage servicer I've had for the past year, XXXX, suddenly transferred my mortgage to PHH without any notice. Neither company sent any type of correspondence regarding this change. I only noticed the issue when my regular payment was not debited on the regular date. After checking XXXX 's website, it showed my loan was " paid off '' but had no other details. 5 days later on XXXX XXXX, 2021, I see a new mortgage company has debited from my bank account without ever giving me notice of this transfer of information ( including my banking information! ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my credit card was fraudulently used in a different state for a purchase of {$1100.00}. I was notified of unusual charges on my account by Wells Fargo ( card issuer ) the following morning. There were a total of 4 attempted transactions and of the XXXX, XXXX of them were declined by the card issuer as they suspected fraud. I confirmed that these charges were not mine as soon as I saw the alert and the issuer immediately removed them from my account. After completing what was supposed to be an investigation, the bank made me aware that they believed those transactions were legitimate and were completed by me. Called back again letting them know of the apparent error and they proceeded to reopen another claim. To my surprise this and the subsequent investigation were both closed, informing me that, because I had my credit card in my possession, they must have been me and the charge was reinstated to my account along with interest on the charge. In several recent conversations with the fraud claims department I have ask for this to be escalated, I was assured I would receive a call within XXXX4-48 hours from the executive office, as they have the ability to look further into a claim. It has currently been over XXXX hours. I called in again this evening to check on a status of the request. I was told that it is only assigned within XXXX hours ( which would have been yesterday ) but this was not assigned to anyone yet and to call back Monday and hope it has been assigned. I was hung up on after that. I am only requesting that the bank actually looks into this claim far enough to see that this charge is fraud and remove it from my account along with any interest that has accrued. I have filed a police report in regards to the charge and a detective has the receipt from the transaction. I am out of options and am exhausted from the bullying of a customer by my own bank.

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 2020-08-12
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:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct 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 2017-11-05
Company: SLM CORPORATION
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:
In XXXX of XXXX, Sallie Mae marked a student loan that I co-signed for as 60 days late. I did not receive any written notice that this payment was late. When I tried to dispute the claim they said they contacted the individual ( my ex-sister in law ) who was making the payments. Once I found out this was issue, I paid the loan in full immediately. This is now adversely affecting my credit score to no fault of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Capio Partners, LLC
State: FL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief