BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: IA
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX and XXXX XXXX XXXX in XXXX, Texas committed fraud when they sold me a XX/XX/XXXX XXXX XXXX XXXX XXXX Blue Tec that had open recalls and one being for the XXXX XXXX XXXX and the XXXX XXXX being the first and most severe in the order of repairing when a repair becomes available. We purchased the SUV on XX/XX/XXXX and our contracts were also backdated, our vehicle was in the shop 7 out of 8 weeks of ownership. I immediately notified XXXX XXXX who told me do not make a payment we are putting this in review. Our serpentine belt broke while in route to my mother in-laws house traveling at XXXX mph no steering with my wife and XXXX of our XXXX children, stranded in the country. We had only owned the car for three days so we called XXXX XXXX who then instructed us to have the SUV towed to them at our own expense so we did. Three weeks later the car I still not working and it was transferred to a mom and pops automotive repair shop only to be transferred back to XXXX XXXX for a brake job. I had XXXX XXXX so my wife goes to pick up her SUV and calls me in hysterics saying she had no brakes, you see the brakes were needing to be done and before purchase XXXX XXXX agreed, my wife went back to the dealership crying with me on the phone and they forced her to drive the SUV with no brakes one hour home to XXXX keep in mind they were informed about the XXXX XXXX XXXX in essence they were attempting to murder and mame my wife. My wife complied and later we found out about the recall only for our Serpentine to re-brake the following day, so it had to be returned again. Then two weeks later we go get the car, keep in mind we called XXXX XXXX Weekly with updates only to be directed to not make payments it was in review, not even 12 hours after receiving our broken car XXXX XXXX has our SUV repossessed at XXXX XXXX leaving me stranded with XXXX kids no way to school. XXXX XXXX XXXX and XXXX XXXX   both need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted Military Star at number listed on statement ( XXXX ) to inform them that the online portal was not allowing me to submit payment. The representative informed me that this function will continue to be disabled until I make six consecutive payments. Military Star has sent letters to my Commander in the past and on the statement dated XXXX XX/XX/XXXX threatens to do so again : " If the payment is not received by the due date, we may request involuntary collection for the maximum deduction allowable from either your Military, Retired or Civilian pay in accordance with applicable law. Prior to involuntary collection, we are required to notify your Unit Commander. To prevent a notice, you must pay the past due balance on or before XXXX XX/XX/XXXX. If you are separating from the Military, we  may collect any remaining portion of the debt from your final pay and allowances. '' XXXX XXXX XXXX XXXX used these same practices and was held responsible in XX/XX/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 2018-12-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to access my three credit reports and when I got into EXPERIAN report it would not let me out until I created an account for monitoring. XXXX EXPERIAN?

I thought the only way to get my last transition report was to create an account which I did?? It then kicked me off the site. I tried approx 15 times and finally I was able to access transition account.

When I kept trying it did not ask me to log in. When I looked over my reports the following day XX/XX/XXXX XXXX EXPERIAN WAS ALREADY ON MY REPORT. Today XX/XX/XXXX I received an email from experian asking me if I wanted them to search the dark web for info regarding my social security number use or my personal information.I did.not open the images. Now I have many disputes that I wanted to notify the credit reporting companies but I don't feel safe doing that right now. I have court in XX/XX/XXXX for a divorce hearing and I need a lot of info from those reports. What should I do.

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 2023-04-21
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:
I applied for Public Student Loan Forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity on XX/XX/XXXX. Through the TEPSLF I have over ten years of qualifying payments as my documentation clearly indicates. 

In XXXX of XXXX I received a regular mail notification that Mohela would be assuming the administration of student loans and the PSLF and TEPSLF programs. I was informed that they were processing documents and that I should receive an update within 60-90 days. When I did not receive an update in that timeframe, I called Mohela for an update. Below is the log of my calls to Mohela, their responses, and any messages I received from Mohela. 

XX/XX/XXXX - Initial call to Mohela. Spoke with CSR who could not find information about the request. Transferred to manager. Remained on hold for over 45 minutes. Hung up. 

XX/XX/XXXX - Follow-up call to Mohela. Spoke with CSR, who confirmed that my request had been received but not processed. CSR requested re-processing. CSR told me to follow up in XXXX  months if I did not receive notification from Mohela. 

XX/XX/XXXX - Received a message from Mohela with calculations showing that current employment was still not processed. 

XX/XX/XXXX - Follow-up call to Mohela. Spoke with CSR who told me it had yet to be processed, but the information was in the system. She told me to check the system if nothing came through in the next 30 days. 

XX/XX/XXXX - Received a message from Mohela with calculations showing that current employment was still not processed. 

XX/XX/XXXX - Follow-up call to Mohela Spoke with CSR and with a supervisor. Was told by supervisor that XXXX information was in the system, approved, but not processed. Was told it was tagged as a priority and it would be 5-10 days to process. I asked to speak to a manager and was told that the higher-ups don't take calls. Explained I would be filing a complaint with the CFPB and my congressperson. 

This pattern of activity indicates incompetence, negligence, intentional malfeasance, or a combination of all three on the part of Mohela. I am an individual with the time and the understanding of bureaucratic and capitalistic systems to pursue this issue. I can imagine that there are hundreds or thousands of other individuals who will not have the time or ability to pursue this issue in the same way. I recommend that an investigation be launched to determine how many individuals who clearly qualify for loan forgiveness have not received it to date due to Mohela 's incompetence, negligence, or intentional malfeasance.

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 2022-03-03
Company: EQUIFAX, INC.
State: TX
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, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint claims the {$5.00} wrongful payment from XX/XX/21 has been rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Sensible Auto Lending, LLC
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : SENSBLAUTO XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: NC
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:
Inaccurate information on 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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Inaccurate information on 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 2020-04-02
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has sent no validation/ contract showing that I owe {$120.00} despite me requesting it. They have also refused to provide proof that they own this debt and have the right to collect. After speaking directly to the original creditor on XXXX and confirming that I do not owe, it still has not been removed from my credit report.

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 2020-02-18
Company: SYNCHRONY FINANCIAL
State: UT
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:
Care Credit # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.

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 2019-08-27
Company: AES/PHEAA
State: AZ
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:
This complaint refers to a misleading and deceptive repayment structure that FedLoan Servicing presents to repay my student loan. 

The description that follows is the Graduated Repayment Plan on the FedLoan Servicing website, " With Graduated Repayment, your payments start out low and gradually increase over the life of the loan ( typically every 2-4 years ). '' Since 2013 I have paid {$12000.00} to FedLoan. On time. I realized that {$1200.00} has been paid towards principal, with {$10000.00} paid towards interest. My loan started at {$31000.00} at the time of disbursement and the current balance on the loan is still idling at {$31000.00}. The interest rate on my loan is 5.5 %, so it puzzled me, until I realized the deception in the language used to present this, Graduated Repayment Plan. 

It is considered, deceptive language, to define a Graduated Repayment Plan as such, because this plan does not explicitly explain to the borrower that there will be no repayment but rather, you will accrue, as by definition : compound interest. Compound interest is not defined by any means in such text. Thus, no repaying '' has truly accrued, since they set the base of this plan lower than what market standard interest allows, so for years I have been unknowingly accruing compound interest on top of the interest that was owed without any such knowledge due to the definitive terms and text used at signing. 

I will add, and this goes without saying, the emotional and psychological duress of paying this loan back on time since 2013, never having missed a payment, never having had a payment arrive tardy, to only find out that I was sold fraudulent terms, undermining my trust with misleading terms within, have made me lose total hope of arriving at a place where I could be considered debt-free. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Spring Oaks Capital, LLC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against SPRING OAKS CAPITAL LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SPRING OAKS CAPITAL LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SPRING OAKS CAPITAL LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: LA
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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be XXXX  % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EMCC Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report is showing an account with EQUIANT FINANCIAL SVCS which was opened on XX/XX/XXXX and last reported on XX/XX/XXXX with a balance of {$2900.00}. I have repeatedly disputed this with the company, but they refuse to comply. I have never heard of this company. I have never had an account or an agreement with this company. I do not owe this debt. 
This has seriously hurt my ability to obtain new credit, vehicle and/or a mortgage loan. It has been a detriment to my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I get emails from " Consumer Refunds and Pmts XXXX '' telling me I opted in for online statements. I am unable to login to the website because I no longer have any of these cards, and there seem to be no other options for me to find out if I actually have a card or to shut down the email messages. It is very frustrating.

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 2018-06-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated a transaction online using MoneyGram. The Transaction was declined and online profile closed. Customer Support refused to explain why account was closed and transaction cancelled. Every month I send money to family and friends in XXXX, XXXX XXXX XXXX XXXX, XXXX. 

Kindly assist with getting an explanation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach this company via mail in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX  and no response. I tried on a few attempts in XXXX, XXXX  to call and speak to someone and even transferred to a supervisor that they had no information regarding my information even after giving them my information. Asked if I had a letter and I said I did not that it is showing on my credit reports for XXXX, XXXX and XXXX. Said they could not help and ended the call. No response from letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-11-04
Company: TD BANK US HOLDING COMPANY
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:
ALL XXXX CREDIT BREAU SHOW INQUIRES THAT I DID NOT REQUEST, I NEED THEM DELETED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Exeter Finance Corp.
State: CO
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:
I had previously filed a complaint with CFPB in regards to Exeter finance. Exeter. Responded to CFPB that they would remove a late payment reported to the credit bureaus.. I have had to file another dispute because my credit report was updated, however, Exeter responded to the dispute again on XX/XX/XXXX XXXX while they did report the account as being paid off, they did not remove the XXXX late payment as agreed and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent Experian a ID theft report showing fruad on a XXXX XXXX Account, account XXXX XXXXXXXX. I have stated numerous of times that this is a fraudulant account, I have asked them to provide me with proof that this is my acount. They have yet to provide me with any prrof but yet they state its verified.

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