BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
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 MOHELA account was unexpectedly placed into forbearance in XX/XX/XXXX. I did not request this forbearance, as I am completing payments for Public Service Loan Forgiveness and XX/XX/XXXX would've been my 120th payment. On XX/XX/XXXX I received a message stating my first payment was due XX/XX/XXXX. However, when I logged into my MOHELA account on XX/XX/XXXX, I noticed my account status had changed to forbearance although I never requested this. 

I contacted MOHELA three times ( twice over the phone on XX/XX/XXXX and XX/XX/XXXX and once in writing on XX/XX/XXXX ) requesting to change my status to repayment. I was told they would change it, but they never did. Now on XX/XX/XXXX, I received a message with a statement attached stating my loans are in forbearance until XX/XX/XXXX! This is the opposite of what I requested! On top of the complete incompetence and mismanagement of my account, it takes 2.5 to 3 hours of holding to speak to anyone. Waiting to talk to someone doesn't do any good though, as they have failed to meet any requests regarding my account.

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 2023-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/23 a savings account with Bank of America was opened in my name and I closed it as soon as I got an email telling me my application was submitted and approved. I called Bank of America right away and the account was closed. Today ( XX/XX/23 ) two more savings accounts were opened with my information and those were closed as well.

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 2022-12-19
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: AES/PHEAA
State: LA
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 had my student loans transferred from XXXX to Fed Loan Servicing in XX/XX/XXXX in order to qualify for the Public Service Loan Forgiveness Program. Despite being certified as working for a qualified employer, being in a qualifying payment plan, and despite making payments on time ( except XX/XX/XXXX and XX/XX/XXXX ) Fed Loan claimed that XXXX said that I was on an " internship forebearance '' XX/XX/XXXX - XX/XX/XXXX, and thus FedLoan is not counting those payments to PSLF. On XX/XX/XXXX I spoke with XXXX ( XXXX ) from Fed Loan, who said she would " activate the bills '' for the months during that time period that I made payments, and she said that she would request for the forebearance to be removed. She also requested a manual recount of which loans should count. On XX/XX/XXXX, I called XXXX and they confirmed I was NOT on an internship forebearance XX/XX/XXXX - XX/XX/XXXX and they did not communicate to Fedloan that I was ( so this was Fedloan 's mistake ). On XX/XX/XXXX I called Fedloan ( spoke with XXXX, # XXXX ), who said the payments were still showing as in forbearance. XXXX put a note in the system that the Dept of Education fixed my datafile and that now it should show that I was in repayment XX/XX/XXXX - XX/XX/XXXX ( except XX/XX/XXXX ), and not in forebearance. XXXX said they have not started the manual recount yet. On XX/XX/XXXX, I received my updated qualifying payment count and they are still not counting the loans that I made on time payments for during the months mentioned above. It appeared as though they still thought I was on an " internship forebearance '' XX/XX/XXXX - XX/XX/XXXX. I called Fedloan and they were closed due to COVID. On XX/XX/XXXX I called the Ombudsman number for Fedloan and spoke with XXXX ( XXXX ) who told me that it is STILL showing a forebearance for XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, and also XX/XX/XXXX, despite that I made on time correct payments during those months, I was in a qualifying payment plan, and my employer was certified as qualifying for the program. She submitted ANOTHER ( third ) request to have the forebearance removed for these months, and she submitted ANOTHER request for a payment period verification so that once the erroneous forebearance is lifted, those payments can count toward PSLF. I am now back in the same place where I started when I was told XX/XX/XXXX that Fedloan would request the forebearance to be removed and also that I would have a manual recount of my loans done. I found out today, XX/XX/XXXX that there is NO RECORD of anyone attempting to remove the forebearance, and my qualifying payment count is still off by 10 months or more, 2 years after my first attempt to correct the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Square Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was try to connect XXXX XXXX to my new TV. I was prompted to put a code in on my phone which I did and after putting in the code I was prompted to call this number ( XXXX ) which I did. As I'm talking to who I thought was XXXX XXXX customer service they told me to download an app called XXXX and then they started controlling my phone through their phone or computer. I did put in my pin number to my XXXX XXXX  but I thought I was getting XXXX XXXX XXXX. My bank account was connected to my XXXX XXXX account and they started adding money to XXXX XXXX and sending it to themselves. XXXX XXXX saying there was no unusual activity because it was from my phone but as soon as I realized what happened I reported it to XXXX XXXX and sent emails trying to stop payment. I also closed my bank accounts and opened new ones and unlinked my account from cash app which I will never do again. XXXX XXXX should be able to get my money back but they won't. I've never sent money to these people before and I've never purchased an XXXX card through XXXX before. All these are signs of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CO
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:
A balance of {$4200.00} from XXXX XXXX opened on XX/XX/2022 was on my credit report. I didn't authorize that transaction and would like to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 i sent disputes to the credit bureaus about UNLAWFUL activity on my credit report I noticed a few days prior. XXXX Equifax, and XXXX  have all failed to adequately response to me in a timely matter as all disputes should be resolved within 30 days!! it is now XX/XX/21 as I write this which is basically 45days and still haven't had my credit report updated!! It is law that failure to resolve and validate these accounts is grounds for them to be DELETED IMMEDIATELY. 

Thes companies just do what they want to consumers like me and I won't stand for it, I know my rights and laws! Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately, failure do so and i will file for litigation due to violation of LAW and FCRA! 

Also late payments that were reported while we were all in a pandemic is against the LAW! The CARES Act protects consumers from theses unjust reportings.The Coronavirus Aid, Relief, and Economic Security XXXX XXXX XXXX  Act, passed by XXXX and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA XXXX as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! Inaccurate Address : 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 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 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 2022-10-05
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX the vehicle was turned in. Hyundai XXXX XXXX stated they covered all excess wear and tear plus excess miles on vehicle. I was given a check of {$1000.00} to send to Hyundai motor finance. The check was received by them and the account was closed. However, XX/XX/XXXX I received a credit alert of a collection from Hyundai of {$480.00}. When speaking with them it states of excess miles. When Ive spoken with Hyundai customer service they keep stating its excess miles and the mathematics doesnt add up. Ive shown all the info to Hyundai of XXXX which they reviewed and stated the account was taken care of and there were no fees due to be paid. I have all the information of proof of the vehicle payments as well as vehicle inspection. Ive never received any letter or notice of owed payment in which Hyundai stated it probably got lost in the mail. How is it in 3 years Ive never received any notices or anything from Hyundai and all of a sudden this pops up. Ive leased two other vehicles from Hyundai since turning in this vehicle. Ive tried resolving this and I have not gotten any answers. Due to this issue it effected my credit score negatively in which its delaying my opportunity in trying to purchase my first home. I need help in resolving this as soon as possible.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

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 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone did contact my dad at his phone number and asking about me. The phone number of the actor is ( XXXX ) XXXX. When I returned a call to that number someone asked me to confirm last four digit of my social security number and said that I owe {$12000.00} to Bank of America since 2010 and I have to pay {$6000.00} immediately to resolve the issue. Since I never receive any notifications from Bank of America regarding any debt I may have I strongly believe that my personal information involved into an identity theft.

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 2020-01-31
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX who held my mortgage went into bankruptcy and LoanCare took  over my loan as of XX/XX/XXXX. I made 2 payments to LoanCare through XXXX  XXXX XXXX Bill Pay on XX/XX/XXXX in the amount of {$1700.00}. and also XX/XX/XXXX in the amount of {$1700.00}, but they posted to my old acct # I had with XXXX . I have made more than bi monthly call to LoanCare explaining what happened and trying to get this resolved. They did a reversal of 1 payment and posted it to my account on XX/XX/XXXX but never posted the second payment. I faxed them copies of the bank transmittal from XXXX  XXXX XXXX showing them the Electronic File Trace Numbers on XX/XX/2019, XXXX XXXX, per a supervisor named XXXX 's instructions telling me this would take care of the problem. It was never taken care of. Since XX/XX/XXXX I have sent every payment certified mail return receipt so that I have proof of payment. I call every couple of weeks and get the run around they tell me they will fix the problem and call me back and no one ever does. I get monthly delinquent notices from them, they have reported me monthly to credit bureau as delinquent, when I have made every payment to them in a timely manner and my credit is being destroyed. They raised my payment because they said my escrow is insufficient when if they would just post the payment that would not be the case. I reported them to the XXXX XXXX, after that I received a letter from LoanCare saying they would look into the problem. There were ( 21 ) attempts on XX/XX/XXXX, on my account to rectify the problem and in the end all that happened was my principal amount owed to them changed {$5.00} in there favor. i DONT KNOW WHAT ELSE TO DO!! I feel like they are stealing my money and ther is no accountabilty on there part.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 non-monetary relief
Consumer complaint received 2022-11-03
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:
In accordance with the fair credit report act XXXXXXXX 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 rights to privacy. 15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-04-11
Company: Experian Information Solutions Inc.
State: SC
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:
Experian along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from Experian for the improper use and damages. I have attached a affidavit and the exhibit proving these things.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$12000.00}

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 explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Consumer Credit Report was accessed for Promotional Purposes by the Transunion reporting agency without my authorization and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent correspondence to the responsible party on what my requests 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 non-monetary relief
Consumer complaint received 2019-08-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
" Un-Applied payments. '' @ {$6000.00} in payments listed, but not applied to the balance of my loan. I tracked the balance. Those payments are listed with XXXX applied. I can not get them to explain or actually apply the payments. This represents @ 6 payments of {$1000.00} Please get them to apply the payments. It looks like theft when they accept 6 payments, but not apply them to my balance. Ditech is a bad company. It appears they went bankrupt several times, but still refuse to reduce the interest rate or apply those 6 payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NY
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 has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
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:
This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief