BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: MOHELA
State: VA
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 XX/XX/XXXX, MOHELA recalculated my monthly Income Driven Repayment ( IDR ) on the REPAYE plan from {$140.00} to {$680.00}. There was no meaningful change in family status or income. This is an increase of {$530.00} per month. 

I did not request this change, nor was my IDR re-certification due until XX/XX/XXXX. MOHELA did not notify me of this change and could not provide a way to restore my {$520.00} payment amount without waiting to recertify my income. 

MOHELA was unable to restore my old IDR plan, nor give a rationale of increase. 

MOHELA also continues to display a $ 0 monthly payment on my credit report even though I am in repayment. This impacts my ability to obtain a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a new car back in XXXX of 2022. My credit score was about XXXX at the time of the loan. I was given a loan at a very high rate, almost XXXX, for a XXXX  XXXX XXXX XXXX. On more than one occasion, I requested Flagship credit acceptance to stop calling my job. i am behind on payments because my husband was in an accident, and they were informed. They call my cell phone almost every 10 mins, as well as calling my job and leave messages. My payments are due about he XXXX of the month, and they start calling on the XXXX and start harassing me.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

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 2021-08-21
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
This letter is regarding account # XXXX, which you claim my account has 2 late payments. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX  and XXXX ). I am a XXXX XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX 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 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I purchased this vehicle in XXXX of XXXX. I had good payment history up until XXXX of XXXX. The account was charged off officially in XXXX of XXXX. All collection efforts stopped due to XXXX. In XXXX of XXXX, I updated all my personal information through the credit bureaus, including my address and phone number. I then contacted the lienholder, Regional XXXX, in XXXX to inquire about how to pay off the entirety of my balance. I received no response or direction. My vehicle was repossessed by Regional Acceptance  on XX/XX/XXXX. I had to call them to figure out the next steps and to get my personal belongings. 
I called in XXXX, XXXX, and XXXX of XXXX to try to redeem the vehicle. Each time I called I was transferred around or hung up on. I called again in XXXX and asked to speak with managers and supervisors only. I was advised that the vehicle was going to be auctioned off. I told them that I wanted to still redeem the vehicle, as this is my right as the owner of the vehicle. I was still advising them that I wanted to pay off the entirety of the loan in exchange for my vehicle back. I never received any notice about the status of the vehicle. I called again in XXXX ; I was told that the vehicle was being put up for auction. I told the agent I spoke with that I would need something in writing to be able to still have a chance to redeem the vehicle. Yet again, I received no documentation. The vehicle was auctioned off in XXXX. 
I am complaining based on the fact that I never received proper notifications before or after the repossession pursuant to the FCRA laws on the matter. I was never given a fair opportunity to redeem the vehicle. The lienholder had my updated address to take possession of the vehicle yet would not update my address on file to mail the notices to my address in timely matter.

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 2022-03-07
Company: EQUIFAX, INC.
State: MD
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 2020-04-14
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted both XXXX XXXX & experian on XX/XX/XXXX regarding a XXXX account thats in collections that was fraudulently opened up in XXXX per XXXX XXXX. I stated that I can possible be a victim of identity theft for the 2nd time. I made a report to XXXX XXXX Police dept regarding this account. I would like both credit agencies to delete this account of my credit report immediately. I also called XXXX & spoke to a rep and was told none of my information matched what they had. & was advise to call XXXX XXXX & experian which I did.

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 2018-10-23
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 and XX/XX/2018, I requested proper validation from Choice Recovery stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to furnish such information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, USAXXXX  usaa checking XXXX XXXX XXXX XXXX XXXX, TX, USAXXXX RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Pleasesend me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/2023 Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 
FTCIdentity Theft Report Proof of identity Notice to Furnishersof Information

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 2018-05-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. Santander as also removed this account 3 times without notification of it being reported back. Santander also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} on XX/XX/XXXX. The vehicle was in the impound which is where Santander got the vehicle from. It was never repossed for non payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Schreiber Law LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was called by the collection dept. of Schreiber/Cohen llc. XXXX, a nice female employee talked to me about payments that were past due, I informed her that i left a message at that office for a motion to continue because i would be out of state, she asked me why I said to visit my parents in Florida from XX/XX/XXXXto the XXXX and the hearing was for XX/XX/2018. She then put me on hold and the manager of the collection dept. picked up the phone he informed me that if i can go on Florida then i have money to pay my bill, I informed him that everything for the trip was purchased by my parents. He then said rudely that he doesn't understand, that he was going to look into my savings and stocks and bonds to see if i had money to pay the bill, and even investigate what kind of care i drive '' maybe I drive a new XXXX  '' he said. told him i have no savings and certainly no stocks or bonds that i was broke but i could meet him at any time besides XX/XX/2018.He said that if i didn't pay the whole back amount that i would not receive a motion to continue and that if i miss the hearing a bench warrant would be issued, he was incredibly rude i even told him that if we couldn't have a normal conversation that i would hang up and deal with the court and file my motion for continuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern : I was a victim of fraud by someone that was claiming to offer me a job. I was furloughed from my job on XX/XX/2022. While looking for employment, I was sent an interview request by XXXX XXXX XXXX ( attached ). 

I was emailed the job details ( attached ) prior to the interview. 

I interviewed ( I am not 100 % positive of her name ) I believe XXXX, via zoom call on XX/XX/2022. I spoke with her at the zoom phone number ( XXXX ) XXXX. I went through an interview process with this young lady and had a 2nd interview with a gentleman. After the call was completed, I was sent a job offer ( attached ). 

On XX/XX/2022, @ XXXX XXXX EST, I sent the signed offer letter, XXXX XXXX , and a direct deposit slip. ( attached ) On Monday, XX/XX/2022, I sign on to training. It was a few people on the call. Getting to people and benefits and things. Right before we took a lunch break, they asked us to send money for our equipment. That is when I logged off because something was wrong. 

Until yesterday when I received an email concerning my appeal, did I even realize that this is what could have happened? I Googled the XXXX scam and sure enough, I was scammed. ( Article attached ) Today, I went to the Credit Union and explained to them what I thought occurred. I was advised to send in documentation of the events. 

I have several documents to send to verify these accounts. Also, after I closed the account the money was taken. I opened a brand new account and two days later there was two more {$5000.00} request on the new account. I don't know if this is someone who works for the NFCU however it is highly suspicious. 

Please let me know how I should proceed from here. 

Kind regards, XXXX 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 2022-11-01
Company: Royal Pacific Funding Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the month of XXXX, I was a victim of identity theft and filed an FTC report and a police report in XXXX. I notified XXXXPacific Royal Funding of my hardship and my ability not to pay because of me being a victim of identity theft and money being stolen from my bank account I have since then sent them numerous requests asking them to remove this late payment from my credit report which in return they failed to do so on every occasion the negative remarks on my credit report are affecting tremendously by law any inaccuracies accrue to me must remove due to me being a victim of identity theft. i just want this matter to be took seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NV
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Ascent Holding Co
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
This company denied my loan taking away my right to access my credit based on an inaccurate consumer report.

This is against the equal credit opportunity act that states access to credit is a right that can not be taken away for any discriminatory reason.

This company is discriminating against me by using a consumer report. They have taken my private information including my social security card number and other personal information with no benefit to me, the consumer in this transaction.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
XXXX, XXXX and XXXX do not reflect the latest information on my mortgage account with Nationstar. All three reflect the last update as of XXXX XXXX.update mortgage account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My debit card was hacked on Monday XX/XX/XXXX after receiving a Direct Deposit of my student loan refund. 

Received a text from American Express Serve asking if I had tried to make a purchase for over {$500.00} at a XXXX 's in Florida. I responded no. ( I live in Maryland ) Called American Express Serve no less than 4 times to have card locked. Card was never locked. 

XXXX more purchases near that same amount occurred in rapid succession. 

Serve finally closed my account that afternoon but after the loss of {$2000.00}. 

Asked me questions as if I had made the purchases. Promised an email that I had to return within 10 days or no provisional credit. 

Have yet to send email to me. 

Credited the four {$500.00} purchases on XX/XX/XXXX but still deducted {$2000.00} from my account. I have 4 refunds but they have not credited my account. How does that happen? 

Called them and was disconnected on purpose when no one could answer my questions. I am supposed to call back tomorrow. Explained to them that the money is my student loan, it is federal money, and I will owe interest on that money. They needed to fix this. They hung up. 

I have a Police Report Number XXXX taken by Officer XXXX badge number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
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 have made several attempts to correct this issue over the past few years. I last spoke with XXXX and Transunion on XX/XX/2023 regarding a charge off account with XXXX XXXX in the amount of {$1200.00}. I I have also reached out to XXXX XXXX and they inform me to contact XXXX and TransUnion regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove 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 non-monetary relief