BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: OH
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:
Its now over 60 days and no sign of investigation on XXXX XXXX Accounts are unknown and not reporting correctly, no information given as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
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:
inaccurate inquiries from a company that doesn't even exist.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has failed to properly maintain records.

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 2021-07-06
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing by a copy of my credit report and I realize that as a consumer Professional Credit XXXX is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They are saying that I owe this alleged debt which this debt is not mines. This is abusive practices 15 USC 1692a.You can have access to this alleged debt but you should not have my Personal Information. You have violate other rights which each violation is {$1000.00} per occurrence. have attached my ID to help identify me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: MOHELA
State: GA
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 have received an email from the U.S. Department of Education on XX/XX/XXXX stating that my student loans that I had acquired when I was attending XXXX XXXX were being fully discharged. It said that I do not have to make any more payments on the loans. 
I received a phone call about 2 months ago from someone at Mohela about my loans and how they were taking over my loans. I told them then that I had gotten an email stating my student loans had been discharged. All except my private loans with XXXX, who is a criminal organization as well. Today I get a bill in the mail from Mohela that states that I owe around {$15000.00}. I will not pay them. I have the email from the U.S. Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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 applied for the XXXX in XX/XX/XXXX. I have worked for the same school since XX/XX/XXXX and have made monthly payments for my loan since XX/XX/XXXX. Mohela has been giving me the run around for almost a year now, saying I only have XXXX out of XXXX required eligible payments to qualify for XXXX. However, they need to count payments from XX/XX/XXXX- XX/XX/XXXX. 

XX/XX/XXXX : Spoke with XXXX, who says that Mohela is waiting on the XXXX XXXX XXXX, and it takes a while. 
XX/XX/XXXX : Spoke with XXXX, who said she will have her XXXX call me back to figure out what is happening. No one returned my phone call. 
XX/XX/XXXX : Spoke to XXXX, who submitted a rework request to management to determine why they continue not counting 70 months of payments. I also resubmitted another employment verification since they said they could not count my work from the original application to XXXX. It shouldn't matter, though ; I've made the payments, but I had my employer sign off and verify my employment. 
XX/XX/XXXX : I spoke with XXXX, who said I needed proof of payment from XX/XX/XXXX - XX/XX/XXXX, so I uploaded proof from XXXX that I made payments every month and did not skip any. He verified he received the document and said I would hear from Mohela in 30 days. 
XX/XX/XXXX : I spoke to XXXX, who now says that my loan was deferred during that period because I was in school. When I explained I was in school from XX/XX/XXXX - to XX/XX/XXXX, my loan was never in deferment, and even if it was, there are still 54 months of payments not being counted, she said it didn't matter. She said they would request to have the national student loan payment count, and I should hear back in XXXX - 14 days. 

This seems like a scam to me, and I am being singled out because I have proven that I make my payments on time and have been a responsible loan borrower. I have done everything required and sent everything requested of me, confirming that I have made payments for 20 years without missing a month, all while working for the same school district. It seems convenient that I am 2 months shy of meeting the requirements, but I've proven that I have 70 months of payments that needs to be counted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The reporting agency failed to comply with the requirements under section 15 U.S. Code 1681d of the Fair Credit Reporting Act.

After signing the return receipt label via USPS acknowledging delivery of my disputed claim on XX/XX/2021, the reporting agency did NOT : Provide me with any written disclosure by mail or any form pursuant to 15 U.S. Code 1681a ( 1 ) that an investigative consumer report including information as to my character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made ; causing an investigative report to be prepared.

Give a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title.

It is NOT a fact ; pursuant to 15 U.S. Code 1681d ( 2 ) (
A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) Pursuant to 15 U.S. Code 1681d ( b ) I am requesting the disclosure required by subsection ( a ) ( 1 ) no later than five days after the receipt this notice and ; make a complete and accurate disclosure of the nature and scope of the investigation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had two cards with Bank of America of 12 year duration and credit history. Rather than pay two fees yearly, I decided to cancel one of the cards. 

Weeks later, I saw my XXXX score had taken a hit. I had anticipated this and the eventual rebound a few months later. As the months unfolded however, my XXXX went from an XXXX to below XXXX. I contacted the Bank of America credit card services and enquired why this might be. I was told by Bank of America that despite my name being on my Bank of America business card, the other card I cancelled contained all my personal information as reported to the 3 credit bureaus. I then tried to have my Bank of America personal card reinstated as I was told it is possible to reopen accounts as this was done on a " case by case '' basis. Despite my decades of never missing a payment and positive history Bank of America refused my request two times. Bank of America also refused to send a letter saying when my personal account was opened and when it was closed as well as any " good standing '' information that could help me rebuild my credit.

I now do not exist with the credit reporting agencies and am no longer able to draw credit or secure a credit card. Bank of America never told, or warned me, that my personal information was tied to the one card that was being cancelled. To me, both cards had my name on them. It was inconceivable that cancelling either card would terminate any and all credit history.

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 2023-01-06
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:
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 ) 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 : {$0.00}, XXXX XXXX Date Opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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 2021-07-06
Company: SYNCHRONY FINANCIAL
State: NJ
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 have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft SYNCB/TJX Account XXXX : XXXX This is not mine.

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 2021-07-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo please help me understand the following : Your response to my recent complaint stated " wells fargo has no record of opening any accounts without my authorization '' Please help me understand the following : On XX/XX/XXXX I received a check in the mail from Wells Fargo for {$50.00} with a letter saying " this is a courtesy check for the opening of unauthorized accounts in my name '' Please explain the discrepancies between your recent response to my complaint about your opening unauthorized accounts in my name and the check I just received from you. 

On XX/XX/XXXX I received a letter from you, Wells Fargo asking if I would like to attend mediation with you. In an effort to help me see if this offer is in good faith or not, please provide me with any inacurate information you have provided me to date. 

In your recent response to my prior complaint you said the information you reported to the credit bureaus was correct. Specifically you said you charged off a home equity mortgage in XXXX. What was the dollar amount for that charge off? Did you prepare and record any assignments after the said charge off? The deed of trust for this home equity says XXXX, XXXX is the trustee. What is Wells Fargo 's affiliation with XXXX, XXXX? Is there a promissory note for this home equity? 

Have you executed an assumption agreement with any other banks that include any mortgages in my name?

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 2018-08-10
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 at XXXX I contacted State Collection Services in regards to a medical bill on my credit that was so to them. I was told in order to settle this debt they would have to get approval from the original debtor and it could only be discounted 30 %. I put in an offer. I then called XXXX XXXX Hospital in XXXX Illinois billing which is the original debtor on XX/XX/18 at XXXX to confirm this was in fact a true practice and I was told they had nothing to do with how the debt is handled. I also proceeded to ask to speak with the manager and was told " she '' was out of the office until next week. So I called State Collections back on XX/XX/2018 XXXX XXXX  to check on the status of the settlement. I was told that it was denied and that a counter offer of a different amount was offered. I questioned when this was approved and they informed me they got an answer back on a Saturday XX/XX/2018. I didn't feel like I was being told the truth. So I attempted to verify this with the manager on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and each time I was told that the manager has not received anything from State Collection Services. So after numerous attempts to actually speak with the manager my last call was placed today XX/XX/2018 at XXXX where I was put on hold for quite a while. The first time the receptionist got back on the phone I was told that they still have not received anything from this company. I then was placed on hold again and at this point I was told well we received an offer and what they said is what we approved. So I believe they lied to me and because they hired this company so to save face they went ahead and confirmed what to me is a lie. On top of that the amount I was told that was offered today was different form the amount offered when I spoke with them on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: MOHELA
State: NY
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 forced to switch to MOHELA because I am a high school teacher seeking PSLF. With repayments starting again, I filed as a new client with MOHELA for the new SAVE repayment plan. I had used MOHELA 's repayment calculator providing all information on adjusted gross income and my new wife 's financials. It was estimated I would have monthly payments of {$300.00}. My first bill due this XXXX amounts to {$890.00}. I called and waited on hold for 2.5 hours before a representative filed a new IDR request for SAVE. XXXX, the representative, stated that my estimated repayment on SAVE would be {$300.00}.

Now the request is in process for review. There is no guarantee the SAVE payment will be {$300.00}, so I must pay {$890.00} unless I take a forbearance. Taking a forbearance would then make me miss a count on PSLF.

More so, with a AGI of {$69000.00}, how can my payments total {$890.00} considering they are capped maximum of 10 % discretionary? 

It seems I filed for SAVE like I should, MOHELA says I owe {$890.00}, I re-file for {$300.00} if and only if they accept that as my SAVE monthly payment. This process is abhorrentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am getting gutted for the payment amount. It does not align with anything the new SAVE program details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: MOHELA
State: NY
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:
Hi, My loans were transferred over from XXXX XXXX to Mohela because I am under XXXX and also under XXXX. Initially I was told that my payments would return to my pre pandemic payments which were {$73.00} until I have rectify the earliest which would be sometime next year. This was being reflected on my Mohela page as well. Today I logged on to see that my payments would be over {$4000.00} with a date of XX/XX/XXXX. This is extremely frustrating as a consumer and I have been on the phone for over an hour without an answer.I have attached documents of my old statement from XXXX and also what I saw on MOHELA today. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Original : XXXX XXXX XXXX Collection co : National Credit system /Account # XXXX/ For the amount of XXXX XXXX 
I do not owe this debt. These charges is completely fraudulent. I was on month to month ( one month at a time ). After 13months of being on month to month, leaseing agent gave me a written notice via text terminating our month to month agreement. I was told in that notice that i could no longer be on month to month, and to vacate if I didn't complete a renewal by XX/XX/XXXX. I complied, i moved out. Leaseing agent completed a residency verification so I could move into my current place. I signed my current lease XX/XX/XXXX move in XX/XX/XXXX. XXXX XXXX then added fraudulent charges, after I moved out and received my written notice. I am being charged for 3 months after I moved out even though month to month is one month at a time. I have repeatedly uploaded this written notice via text that I deemed as a proper notice to terminate my month to month agreement. payment ledger show payment stopped when i moved XXXXwhich lines up with notice.I have given ncs the same info though disputing, XXXX complaint, and calls. I n the messages I'm repeating telling them I moved, and they still added fraudulent charges every month I have made ncs aware of this and they continued to update this on my credit report after they bought this fraudulent account. The lease and payment ledger was sent to me by National Credit system. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX, has violated my rights. 
15U.S.C 1681 section 602 A states, I have a 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 written instructions.

Company response to consumer: Closed with explanation