BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit.

I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
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 2023-08-31
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I tried to sign up for the SAVE program, after using the Federal Student Aid website calculator which took into account the pre-tax dollars that I do not see in my salary i.e. my XXXX deductions, Health Insurance, FSA and HSA dollars, to calculate my repayment amount. 

When I went to my loan processor, Mohela, and tried to calculate how much it would be for me to use the SAVE program, Mohela does not take into account what pre-tax dollars I do not see in order to calculate my payments. Mohela only looks at Adjusted Gross Income, my number of dependents and if I can access my spouse 's income. There is a {$20000.00} difference between my XXXX and my post deduction income, I can not afford the payment under the SAVE Program because it is artificially high when calculated by Mohela. 

I called Mohela to speak with a customer service representative and was told that there was no other way to calculate my income and that was the only information that Mohela considered when determining the repayment amount. 

The Mohela repayment amount is more than twice what I was quoted when I used the Federal Student Aid website to determine what my payment would be under the SAVE program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with The fair Credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: ALLY FINANCIAL INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2020 - I closed 2 " No-Penalty CD '' accounts with Ally Bank. The value of each CD was approximately {$500000.00} ( {$1.00} XXXX total ). 

XX/XX/2020 - I received the funds for one account only. I logged onto the Ally Bank app and saw that the funds from the second CD ( {$500000.00} ) were transferred to an unknown bank account, which was not mine. 

I called Ally Bank and I was told that since the funds were transferred to a checking account that did not belong to me, the ACH system would likely detect this and possibly reject the transfer. I was told there was nothing Ally Bank could do and that I should call my bank. I called my bank and they said it is on Ally Bank to fix the error. 

I called Ally bank again and was told the service rep who initiated the transfer mistakenly entered a confirmation number as the bank account number and that I would receive the funds by the end of the week. Today is Friday XX/XX/2020 and I still do not know where my funds are.

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 2023-02-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below have 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 15 U.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 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 if the person knows or has reasonable calls to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with SN Servicing Corporation. They refuse to accept any of my payments since XXXX. The last payment I have made was on XX/XX/2022. I made a payment of {$12000.00}. They keep refusing my payments and are requesting $ XXXX. I admit that I had a check that did bounce due to COVID, but after that, they won't take anything from me. I tried speaking with them and they continue not to take my payments which is causing more fees. I am not trying to be behind with my payments and trying to avoid foreclosure. It is unfair to have my home foreclosed when they will not accept any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had phone service with XXXX XXXX until XXXX of 2021. I called XXXX to cancel, I told them to cancel all lines, and send a final bill. I paid the final bill, and I have not received another bill from XXXX. 

XXXX sent an account to collections and is reporting on my credit report as in collections, without ever sending me any other bill. I called and spoke with XXXX and they said they " texted the bill '' to a number that was disconnected. I have asked them multiple times to send me an itemized bill, and they have not done so. 

I never received a bill, now it is on my credit report, and they are refusing to remove from my credit report, even if I pay the amount they are asking.

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 2022-04-27
Company: EQUIFAX, INC.
State: MO
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:
I sent XXXX a letter explaining to them about inquiries and other negative items that i did not consent that are reporting on m credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX  XXXX XXXX XXXXXXXX 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  has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Savings account opened in my name. Thankfully no transactions took place.Talked with bank fraud Dept. They closed account Immediately. Fraudulent account opened online. They had my mailing and ssn. 
Account was opened on XXXX XXXX. Received a statement today In the mail. 
The email the perp used was not mine. 
Bank Referred me to this site. 
Bank of America.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX # XXXX. has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/20XXXX 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 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 2021-05-05
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I trade stocks using the Robinhood App. Usually I get into the app on my phone. If I forget my password, I get email and are able to reset my password. Since XX/XX/XXXX, I am unable to get into the account or able to reset my password to get into the account because when the app tells me it has sent email, I do not receive anything. I know Robinhood has my email because I receive email confirmations for the transactions I make.

Not only am I missing on opportunities, I am unable to access my money. I opened a case as directed and have received nothing from Robinhood or even response to let me know they are working to restore my account. 

It is impossible to get to them. I called XXXX XXXX  which has the account and it appears they are getting some calls like mine. 

I need Robinhood to get this issue restored as soon as possible so I can have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: MD
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 sent a letter on XX/XX/XXXX, to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have previous open a complaint against TD BAnk concerning NSF Fees while that complaint was completed and close. I notice the documetation that the TD bank Rep added to the complaint had collection companies on them stateing that they sent account to those collection companies to collect the Debt.After doing more research i found out TD Bank reported My information to XXXX XXXX XXXX. The accounts that the letter from TD Bank have shows the amount of XXXX {$590.00}. The Amount that the XXXX XXXX XXXX Credit report has from TD Bank is {$5100.00} that has a difference of {$3500.00}. Td Bank has violated my Privacy ACt 1974, FCRA and XXXX XXXX XXXX XXXX XXXX Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a XXXX XXXX XXXX ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates Also under the XXXX XXXX XXXX XXXX Privacy Rule it states that The Privacy Rule protects a consumer 's " nonpublic personal information '' ( XXXX ). XXXX is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' XXXX is : any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ). 

And on the Early warning Report it has my personal information and the Collection Companies has my personal information as well. 

I have also attached the documentation. 
This has caused alot of pain and aggrevation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a CAPITAL ONE AUTO FINANCE customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.

Company response to consumer: Closed with explanation