BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted the front of my id, a utility bill and my social security card to transunion credit reporting agency in my defensf of trafficking. I provided documentation to prove Ive received couseling from the givernmnet official agency about my situation. Transunion has not responded nor remove blocked and deleted the debts from my credit report. I provided all documentation as well as a self attestment validated by a court appointed rep. from the courts with the time stamp and dates on it. I am 8n compliance with the final rule which establishes me as a victim of debt bomage. Can you please block this information from my cra reprot immediately within 4 business days as stated in the fcra 605c. I have included all the items that were asked to be blocked and delete but nothing as happened and it has been well over 30 days. Ive included the certified mail to provve that this dispute was sent and received as well as ignored. 

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 2021-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Personal information incorrect

Complaint:
I called experian twice last week and today XX/XX/2022 and spoke with a guy that told me he cant update my personal after the guy last week was suppose to dispute this information because it was not reporting correct on my report and he told me that he couldnt dispute take off. As continued to tell him that this is reporting inaccurate on my report he kept saying he cant and wont take it off to update my information correctly.

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 2023-11-03
Company: MOHELA
State: TX
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 requested a refund for my XXXX payment from Mohela due to the amount ( {$710.00} ) being taken out on XX/XX/23. The refund was supposedly initiated. The representative I spoke to yesterday morning stated a refund was showed to have been issued on XX/XX/23, however, this payment was never received back into my checking account. I had automatic payments debit payments set up. I then asked the representative if she can tell where does the system reflect where my refund was sent to and she stated being unable to determine where this alleged refund was sent to. It is absolutely fraudulent to state in The Mohela system a refund had been issued to me, when in fact this is untrue and yet they are unable to verify where my refund was sent to. Also, a second {$710.00} payment was taken from my bank account on yesterday despite my current monthly payment being set to {$0.00}. 

Mohela has stolen {$1400.00} from me and have not refunded me. This is absolutely unacceptable and unethical. 

Please sent help have the government do an investigation on this loan servicing provider. Ive never had this issue with my previous loan servicing provider and had not missed payments. This is emotionally exhausting and causing me a lot of stress/anxiety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: MOHELA
State: NC
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 enrolled in Auto-Pay with Mohela before the federal pause on student loan repayments was lifted, but the auto-pay didn't work. Myself and thousands of others are now " delinquent '' on our first payment because Mohela failed to notify borrowers that the auto-pay wouldn't work until 2-3 billing cycles. Unsure if this will have an impact on credit reporting because its takes 5+ hours to speak to a representative.

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 2023-11-03
Company: Maximus Education, LLC dba Aidvantage
State: WI
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 received an email that my loan payment was late for XXXX for {$160.00} and I had a new loan payment if {$160.00} due for XX/XX/. I paid the balance of {$320.00} on XX/XX/ and received a confirmation email stated payment was received and on XX/XX/ received an email stating payment was posted. On XX/XX/ I received 7 emails stating my payment is past due for the same dates and amounts and that my payment was reversed because back rejected due to no account found. I contacted my bank and asked why and they stated they never received inquiry about this transaction and they did not denied payment to be made. On XX/XX/, I contacted Aidvantage and the representative stated it was reversed due to bank not accepting payment. I informed them what my bank stated and the said it might have tried to come out of savings. I told them it was processed, confirmed by Aidvantage and posted. I informed them I have contacted the Department of education and filed a complaint and that my payment needs to be accepted and not reversed again as they are trying to add more interest and that I am aware of others that have had the same issue. This loan provider is fraudulent and needs to be held accountable. I never had issues with XXXX XXXX  and wish someone else was my provider.

Company response to consumer: In progress
Consumer complaint received 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please Read my 3 Previous Complaints, 1 against each of the Credit Reporting Agencies : TransUnion, XXXX & XXXX who continue to refuse to provide me with a copy of my credit report violating the Law USC Title 15 Chapter 41, and despite my request to mail it to my address ( the same address they have on their record under my name ) and dismissing all the documents I already mailed to them proving my identity and addresses such as bank statements and other documents. They asked for utility bills, which I do not pay nor have under my name, so that is inapplicable however they dismissed all the other documents I mailed to them. 

Credit Bureaus also illegally denied me a copy of my credit report under Title 15 Chapter 41 Subsection III Sec1681 ( b ) as well as they illegally asked for a copy of my Drivers License which is a violation of Title XXIII Chapter 322 " use of Drivers Licenses '' which clearly states that if a consumer does not consent to the private entity 's intrusion and violation of his/her Driver 's License personal and private information, the entity is not to deny product or services to the consumer.

The credit bureaus are sabotaging my credit and hurting my life and they are freely breaking US Laws, ignoring and dismissing the written laws which are supposed to protect consumer rights. 
__ They are not showing in my report any of my past excellent payment history ( Mortgages, car loans, unsecured loans ) from 30 years I had perfect history, according to my bank, my score is 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 2023-11-03
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 am pursuing PSLF and my federal loans are serviced by MOHELA. MOHELA placed my loans on a an " administrative forbearance '' without my request, beginning XX/XX/23 and ending XX/XX/23. This prevents me from making two monthly payments on my student loans that would count towards the 120 payments required for loan forgiveness. It lengthens the time these loans are active and allows two additional months for interest to accrue. I have contacted MOHELA through their internal message system twice over the past two weeks to request for the administrative forbearance I did NOT request to be removed immediately, and I have requested a payment due date in XXXX so that I XXXX make a required XXXX payment. I have not received reply correspondence from MOHELA. I have contacted MOHELA by phone and have been on hold for over two hours without being able to reach a representative. These call wait times are excessively prohibitive and I have not yet been able to reach a representative by phone to address this concern. 

MOHELA notified me by letter on XX/XX/23 of the administrative forbearance that began on XX/XX/23. This did not provide me any chance to request for the administrative forbearance to NOT be applied to my account. I have provided the PDF of this documentation here.

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 2023-11-03
Company: MOHELA
State: IL
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:
On XXXX received notification that my loans would be placed into forbearance. In addition, was notified that interest would continue to accrue while in forbearance. I did not request that my loan change states and did not have any option to easily re-instate payment as I had been paying the month prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I received a call from California check cashing on XX/XX/XXXX from XXXX asking if I wanted to make a payment towards XXXX XXXX XXXX of XXXX. 
I told her I wanted to pay XXXX. XXXX she said ok and gave me my balance. 
I go to check my XXXX account and some one from XXXX XXXX took XXXX off of my card. The lady informs me they handle payment for personal loan companies and to call my lender because that's not hr department gives me the number to XXXX XXXX. She told me there are numbers to call when an employee makes a mistake. So now everyone is saying there is nothing they can do because it's already processed. And I can take out another loan .The store excuse was oh she's new. So I called my bank and filed a dispute and I'm waiting to see what These loan places are going to do in these types of situations. People work to harder for their money now a days and if they offer out money they need to be able to give it back swifty. And XXXX needs more training and pay me my money lol

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: PA
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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

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 2023-11-03
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CREDENCE RM XXXX {$370.00} acct # XXXX opened on XX/XX/2022 I TRIED TO DISPUTE THIS OFF OF MY CREDIT REPORT. THIS IS NOT MY ACCOUNT BUT IT IS SHOWING UP ON MY CREDIT REPORT FOR XXXX AND XXXX. NOT MY ACCOUNT. WOULD LIKE IT TO BE REMOVED COMPLETELY FROM ALL THREE CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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 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 2022-03-08
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Right now I'm in mediation ... with Wells Fargo. waiting for a confirmation letter from the on phone meeting with Wells Fargo mediator. We ended with, I should call XXXX and ask for another meditation form for home inprovement department. Starting to feel like Wells Fargo is blowing wind. I'm waiting for a summary from my retirement 401k so I can send Wells Fargo proof positive I had the money and they took it.

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 2023-11-03
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for a payment plan with Mohela. They automatically enrolled me in the SAVE plan, to pay {$0.00} a month. Though I appreciate this opportunity. This is not what I asked for. In order to purchase a home, I can not have a {$0.00} student loan payment. I then applied for an IBR plan, to pay about {$170.00} a month. I was told that it would take about 2 weeks for approval. After 2 weeks, I called again and was told that it was processing, but could be denied because the SAVE plan was more beneficial for me. I explained the situation, she notated the account, and said that I should not have a problem. " By the end of this week, it will be approved. '' The Monday of the next week, I called and was told that, due to multiple accounts going into repayment, it will take longer than normal. By this time, I am crying on the phone. The seller of the home I wanted is getting impatient and my original closing date has passed. I was forwarded to a supervisor. The nice lady was sympathetic and asked me, " Did anyone give you the option of your application being expedited? '' I expressed that I asked, but was not given this option. She informed me that she would send an email, to expedite this request and noted the reason. She informed me that it will now take 2-3 days. I asked was this certain, as I needed to report to my realtor and seller. She was confident. Well, 3 days went by and my application was still processing. I then called and asked for a timeline/follow up and this representative was extremely rude. He stated, " You application can not be processed. We are not going to randomly chose your application out of thousands to expedite. I am furious to say the least! The seller has officially terminated my contract, due to failing to provide documentation from Mohela, according to the timelines Mohela has given me. I have lost money on appraisals, inspections, etc. I can not believe I lost this home, due to a piece of paper. I am hurt. I am clueless as to what I can do to simply get a payment plan. I have never experienced anything like this.

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 2022-03-08
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had no balance on my card after my initial purchases in XXXX because I paid it off in full in two payments including one in XXXX for half and XXXX for the other half ( including interest ). I was unaware there was a finance fee charged and additional interest ( {$1.00} ) on a nonexistent balance and I didn't receive any paper statements alerting me of this balance. I had paid in full so I did not check the balance and recently discovered I had accrued months of late fees and interest charges after a paper notice was sent to me months after these charges were applied when no statements of my balance were sent prior to this. This was reported to my credit score and I am very disappointed as I was excited to be an XXXX XXXX cardholder and now it has had a negative impact on my credit score. I have never missed a payment until now and I feel blindsided by the fees and would like this to be removed from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act theses convergent accounts have violated my rights : 1 ). XXXX  XXXX ( XXXX ) Account # XXXX 2 ). XXXX  XXXX ( XXXX ) Account # XXXX 3. ) XXXX XXXX XXXX ( XXXX ) Account # XXXX. 

Rights Violations : 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 explanation