BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: MOHELA
State: TX
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:
Re : Complaint ID number XXXX - XXXX I'd like to submit an addendum that I received the 1098 form from Mohela which shows a total of {$11000.00} in fees. I'm wondering if this is standard and normal procedure for this company to charge such a large amount in fees? As stated in said complaint above, I was never able to receive a straight answer as to the source of these fees. 

Thank you. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I checked in with Navient only to find out I owed over $ XXXX in debt to the agency. It said the consolidation included XXXX XXXX University. Any online course I took through XXXX XXXX was paid for in full and in cash. I did not use any loans for this University. When I tried to speak with them to receive my promissory note and consolidation information, they were less than helpful. I still do not know how I manage to owe over $ XXXX in loans. I was forced to pay over $ XXXX/month, which was not sustainable and they refused to lower the payments. When I asked to forbear, they flatly refused. I still have n't be able to see a breakdown of all of this money owed, as when I came out of college I did not owe anything close to $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that is 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 after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again.,

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 2015-08-14
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company claiming to be " XXXX XXXX '' calls me every day, multple times per day, saying they are attempting to collect a debt I have no knowledge of. They refuse to give me information and ask for my personal information but I do not want to give my information to a stranger. They call from the number XXXX. I have had calls as late as XXXX and as early as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX is reporting LATE PAYMENTS, Account # XXXX According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, and therefore a violation!

Late payments are ILLEGAL according to 15 US Code 1681a ( 2 ) ( 1 ), AND THEREFORE MUST BE REMOVED TO CURRENT.

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 2022-07-22
Company: Experian Information Solutions 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : XXXX XXXX XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Employer : XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EMPLOYER : XXXX XXXX D XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : XXXX XXXX XXXX  Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax EMPLOYER : XXXX XXXX D XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account # s XXXX/ XXXX/ XXXX This company is reporting the amounts of $ XXXX/ $ XXXX/ $ XXXX/ $ XXXX/ {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-07-09
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a new XXXX XXXX business account on XX/XX/XXXX and was approved. I received credit card and started using it. 

Then, in XX/XX/XXXX, customer service employee XXXX XXXX blocked my account in violation to my cardholder agreement. XXXX requested my additional information ( social security card, driver license and business license ) which I provided him with. 

My account remained " blocked '' until XX/XX/XXXX when it was closed by another representative. I wasn't given explanation for the closure. The representative on the phone said " the bank doesn't feel like it ''. 

Since XXXX I scheduled payments to satisfy my monthly due requirements. The US bank doesn't process any payments. Any payments I'm trying to make by calling in get declined and my account falls deeper behind due payments. At the moment they charged me totally about {$200.00} with fees and interest but still don't allow me to make any payments and keep charging me. 

I called representative on XX/XX/XXXX and she insisted that my balance is {$0.00} and I don't need to make any payments. And them I was charged with late {$39.00} fee and interest and had to spend hours on the phone trying to explain my situation to csr supervisor XXXX. Luckily, the late fee was reversed but not the interest. 

My next due date is XX/XX/XXXX, the auto payment that was scheduled on XX/XX/XXXX didn't get processed and manual payment doesn't work. 

I tried to contact investigation unit clerk XXXX at XXXX ext XXXX but he doesn't pick up phone for the last month and doesn't return calls. 

Please help me close the account! The bank doesn't answer my calls and doesn't process my payments.

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 2023-10-17
Company: MOHELA
State: CO
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:
My payment processor MOHELA is a mess. I signed up for auto debit over a month ago, when the return to payment communications went out. 

They didn't withdraw my payment as anticipated. When I went to pay it manually when I noticed it didn't come out a little over a week after it was supposed to withdraw, they had already tacked on next month. 

I just had to pay double what I expected to pay! They didn't hire enough people to cover the phones, so you can't get through. I used their site to re-sign up for auto debit. Hopefully it works this time. 

You shouldn't have to pay double for their mistakes and mismanagement!

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 2018-10-07
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I used Carvanas auto loan calculator which said I would receive a rate of 10 % for a car loan. Once I went through the process and submitted documents the rate went up to 18.69 %. Nearly double that of the advertised rate I was given. I purchased a vehicle through them previously and had to refinance because they had done the same thing then. I offered to put nearly 25 % of the price of the vehicle as down payment and they only wanted to lower the rate to 17 %! This is shameful and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AZ
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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 following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.

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 2020-06-16
Company: TRANSWORLD SYSTEMS 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:
In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. The debt has been sold to several companies. 

I reached out to each debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. All responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

None adhered to any of my requests and instead they all sent me a bill to pay for the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/18 I obtained my Experian credit report ( Report # XXXX ) and after reviewing it I noticed that I have 1 negative account and 2 inquiries that I do not recognize which is definitely fraudulent. The 1 negative account is from a XXXX XXXX, XXXX and there are 2 unauthorized inquiries from XXXX Card and XXXX XXXX of which i have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Experian to no avail. This is affecting my credit and I am asking for help with this matter. 
Thanks

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This issue is with Capital One over a disputed charge. 

On XX/XX/XXXX  I booked a rental car from XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The charge was for {$440.00} on my Capital One Venture card. On XX/XX/XXXX I arrived in XXXX XXXX, and long story short - the company wasn't able to provide me with a rental car and they never refunded my money. There was some issue and they had accidentally overbooked cars. They added my name to a list of XXXX people so they could call me if one became available, and they never called. I ended up getting a rental car through a different company and when I was back from my vacation, I first tried calling XXXX XXXX XXXX gave it a few hours of being hung up on and being passed around via a non-human phone-tree before I gave up. I obviously wish I had read reviews of this scam company before giving them any money. 

On XX/XX/XXXX I called Capital One and they refunded the charge temporarily while they filed a dispute with the company. Just recently ( XX/XX/XXXX ) the refund was reversed and I was charged the full {$440.00}. I've called Capital One several times now and jumped through every hoop they've given me - timestamped phone calls with XXXX, names of customer service agents I've talked to, and as much proof as I can that I never got what I paid for and I was scammed. But ( as of XX/XX/XXXX and XXXX ) I keep getting a vague response about why the claim can't be processed and I need to take it up with the merchant myself. Which, of course, I am unable to contact the merchant, by design. 

Honestly, in 5 or so years I've never had any issues with Capital One before and I'm beyond surprised about this terrible customer service. It seems crazy to me that they'd risk a years-long customer over charging back a {$440.00} scam transaction. And as far as the one agent that kept pinning the blame on VISA  ... I work in the financial industry and I know that is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2018-10-31
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received multiple calls from different numbers - all expressing to be a caller from American express numbers that called were : XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18

Company response to consumer: Closed with explanation