BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: MOHELA
State: VA
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 filled out the Public Service Loan Forgiveness ( PSLF ) and mailed it to MOHELA early XX/XX/2022 ( forms are dated by employers around XX/XX/2022 ). My qualifying employers are the Social Security Administration and the Department of Labor, both federal government organizations that qualify my Direct Loans for forgiveness. In XXXX, I received a letter, dated XX/XX/2022 from MOHELA stating that " you or your employer did not answer questions 9-12 in Section 3 confirming your organization type. '' However, both my forms have checked the YES box in the above reference question number 9 which asks " is your employer a governmental organization? '' If Yes, Skip to Section 4. Therefore, questions 10-12, as well as 13, are not applicable so both my employers skipped to section 4, as the form directs, which is Employer Certification and signature. 

I have tried to call MOHELA but can not get through to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-12-20
Company: R & B Corporation of Virginia
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I received notification from a company stating that they were collecting on behalf of XXXX XXXX. I called and spoke with a representative and I advised that the only thing that is owed to XXXX  would be the equipment and explained that I never received any notification that there was a bill due or that they were sending it to collections. Representative told me that I needed to return the equipment which I did. I called back to see what amount they are claiming was owed now, since I never received an updated notice and they advised me that there were early termination fees and service fees, and a collection fee. I advised once again that I was never notified that there was a balance due and that I was disputing the balance. The representative told me that they were going to report my account to my credit, no matter what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/XXXX, my partner transferred {$100.00} from his personal checking account at XXXX XXXX  to our joint checking account with USAA. A few hours after the transaction ( appx. XXXX XXXX   ), I received notification from USAA that I needed to " verify '' the account/transaction. I immediately logged onto my account and verified the transaction as valid/authorized. I never received another notification from USAA after that date/time. On Wednesday, XX/XX/XXXX, at XXXX XXXX  ( EST ) I arrived at our lawyers ' office to complete a closing on our home. I logged into my account at USAA to print out my bank account information to verify that my balances were as reported. At this time, I learned that I was locked out of all my accounts under my profile. When I called the toll free number provided to me with the lockout notice, I received a recording that the bank was closed. This was a typical business day, so I couldn't understand how the bank could be closed. Finally, after 8 attempts to call, I called the toll free number and didn't provide my profile information to the automated system. Now, the nightmare begins. No one could explain why the " high threat alert '' was triggered by an automatic system and not monitored by a fraud alert specialist. No one could explain why I repeatedly received a message that the bank was closed. It took 49 phone calls over two days to resolve the issue! I was promised three callbacks along the way - never happened. There is no accountability, a complete lack of training, and dismal leadership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSUNION is reporting entries from XXXX XXXX  XXXX and XXXX  XXXX  XXXX  on my credit reports. Reporting of these collection accounts are false. In California minor children are required to maintain coverage under the state's mandatory Children's Health Insurance Program ("CHIP"). Because the credit report entries of XXXX  XXXX  XXXX  and XXXX XXXX XXXX are attempting to collect purported debts for emergency medical treatment rendered to my minor children they are invalid since a medical provider is comparatively liable in not complying with the state's mandatory insurance provisions. TRANSUNION's negligence is that they still continued reporting this inaccurate, fraudulent consumer collection information on behalf of XXXX XXXX  XXXX  and 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 2023-05-22
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2017 I went to a used car dealership XXXX XXXX Vehicles in XXXX, GA. The dealer ran my co-signers and Is credit which at the time was reporting in the very high 600s to the low 700s on multiple credit checks. I was told that because I had no auto loan score and our age that the only place that would accept me is Credit Acceptance. I received one of the highest APR rates, 22.99 % for a used car. To my understanding this was a consumer credit transaction. I later learned there was much deception in the contract. Upon reading and understanding law I learned that a consumer credit transaction can not include cash. Pursuant 15 USC 1662 ( b ). There was a down payment given of {$2000.00}, as well as a vehicle trade in during this transaction. I called the company multiple times trying to understand how they came across the numbers but, all I was told was that I had to speak to the dealer. When speaking to the dealer I was reverted back to credit acceptance. I was told Id be financing XXXX and I sat in front of a computer, directed to type in initials wherever XXXX XXXX directed us too. I was told I needed to hurry so the loan could process and me being a first time dealership lease user I trusted the process. I legally did not sign any documents with my initials, everything was signed electronically. I did not see anything explaining the XXXX rate, nor did any representative explain to me. XXXX XXXX also signed me up for services that I was not made aware of like GAP Protection ( {$920.00} ), and when trying to access this service I was given the run around on whether I had a valid policy. I was in two physical accidents, and couldn't access this GAP program I was already paying for.

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 2020-07-16
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive tried to email and call into XXXX about this debt but XXXX stated that the debt was sold and they no longer had liability of the debtI advise XXXX of the debt was not mines to be collected and I was not going to speak to a collections company for a debt that was not my own

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 EXP 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Maximus Education, LLC dba Aidvantage
State: MA
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:
My student loan servicing company, Aidvantage, has had several issues over the last month. Listed below are my concerns. 

1 ) Current bill for {$77.00}. The first support staff I spoke with on XX/XX/2023 could not explain this charge and said it would be handled within XXXX business days but it was not. The second support staff I spoke with today said that it the charge is the difference between what I have been paying monthly while my loans are in deferment, {$520.00}, and what my payment will be once deferment ends, {$590.00}. The staff said this would be removed in XXXXbusiness days. While the delta makes sense, there is no reason to have a XXXX because the is/has been no payment due since my loans have been in deferment. Now if I want to make the {$520.00} payment on my loan while they are in deferment, the {$77.00} bill is going to get paid first as if it was something I missed, which can not be true. 

2 ) There were loans showing up in my account, with a {$0.00} balance, from a university, XXXX XXXX, which I did not attend. These were loans XXXX and XXXX. While these were corrected, I have no idea how the showed up in my account and am concerned about my social security number possibly being accessed by someone else. 


I am very much hoping that Aidvantage follows through with removing this {$77.00} bill that I am seeing but my situation has created a lack of trust in the student loan servicing company and I feel compelled to report this in case other people are dealing with similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They day I got a new card from citibank I paid my debt of {$64.00} but they never took the money from me. Today XXXX XX/XX/2023 I got a letter saying I owe {$93.00} for past due. This is a government card and my military unit did not help me they dragged there feet and now citibank screwed up taking my late fees and now adding more this is not the first time and I feel I'm paying for others mistakes. They should pay me back every cent I paid out of my pocket.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: National Credit Systems,Inc.
State: KY
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:
National credit systems has and Incorrectly and inaccurately placed a collection on my credit and consumer report. This event happened and XXXX at the beginning of the pandemic. The company that reported the debt to the collection agency stated that they no longer have any knowledge of needing to pursue a debt collection from me. I reported this to national credit systems and try to get credit repair help and they have violated my rights as a consumer and my violated my privacy. This stat is not accurately reported on all three bureaus it's false and it is needs to be removed. Please investigate this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On hold in excess of an hour only to be hung up on every time. Has happened ten plus times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Coinbase, Inc.
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/23 I logged into my Coinbase account to refund the money i sent from XXXX to XXXX XXXX account and there were several attempts made the prior week, a huge message covers my screen from Coinbase Support stating my account was locked and to contact them to unlock my screen, I called a XXXX phone number ( California XXXX XXXX ) and wrote down the email address : XXXX and thought maybe Coinbase is outsourcing. The XXXX. XXXX answered to assist and I requested a XXXX XXXX. XXXX said will need to work on the account and moved. {$6.00} from XXXX to my XXXX XXXX. XXXX asked me where would i like the refund sent to and I said to my XXXX  account, XXXX XXXX asked me to open my XXXX account and moved {$150.00} to a XXXX XXXX account, I told XXXX XXXX that I didnt ask him to take money, I asked for a refund of {$140.00} from coinbase, XXXX XXXXXXXX said he would need to create a dummy account and my XXXX will be refunded in XXXX hours. Later that evening XXXX XXXX called me back and requested i share my screen again through XXXX share to still work on my account, i logged in and later I went back to my chromebook, the {$140.00} was moved to a XXXX account that is not associated with my account. 

On XX/XX/23, i logged back into Coinbase and spoke with Chat Rep XXXX who provided coinbase procedures and stated they do not accept XXXX payments and would never ask anyone to set up a dummy account On XX/XX/23 I contacted XXXX XXXX stated they would investigate with no response On XX/XX/23 I filed a police report and received Report # XXXX On XX/XX/23 XXXX Support stated I would need to contact the recipient, I told the Tech. that the recipient in a Hacker posing as a Coinbase Tech. XXXX XXXX. stated they can not reverse the payment. 

Address to Coinbase XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX PH # XXXX XXXX  Phone XXXX Square Arbitration Division XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: General Motors Financial Company, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
GM Financial over the lst six years has fought me on what my accurate account history is. I had a co-signed loan that was also reported to the co-signers credit. 

The information this company reported, has reported, and continues to report to both of our credit files is different. 

They refused to acknowledged the fact that the payments they claimed were late were in fact not late until years after the loan was paid off and the account closed. At that time after submitted over a dozen disputes that were denied they came back in agree-ance that the payments were not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
After checking my credit report I noticed several inquiries that I did not recognize or authorize. I contacted XXXX, Equifax, and XXXX on XX/XX/2023 via certified mail and brought this matter to their attention. They did not do anything about this issue. I contacted them again on XX/XX/2023 via certified mail again asking them why they did NOT do anything about this situation and if they can show me any proof of who tried to open accounts without my authorization. I did research and seen that there all laws that require the credit reporting agencies to provide proof of why they gave these companies access to my credit report without PERMISSIBLE PURPOSE? Since they have not done what they are required to do, I made sure I filed an identity theft claim with the FTC and am asking the CFPB with assistance with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: IN
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 recently viewed my credit report and i was distraught to lean that Experian had placed inaccurate information on my credit report. I proceeded to tell them that the inaccurate information was ONLY reporting to them and according to the law, it is my right as a consumer to have a 100 % accurate credit report. XXXX and XXXX are not reporting that information therefore it CAN NOT be accurate and must be deleted. Enclosed is a copy of my credit report showing Experian is in clear violating the law by posting inaccurate information on my credit report disputed inaccurate information on my credit report with Experian. 

Thank You

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 2021-12-15
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My primary mortgage was refinanced with XXXX XXXX XXXX who sold it to Caliber home loans. The escrows were waived during the refinancing with XXXX XXXX XXXX. However, when the loan was sold to Caliber Home loans, they et up the servicing incorrectly and are now escrowing for both taxes and insurance, making less of the overage I pay go towards the principal balance and negatively affecting my ability to pay down the mortgage quicker. I have paid the real estate taxes personally and have the receipt showing my personal check was used. Insurance is not due until XX/XX/2022.

Company response to consumer: Closed with explanation