BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: MOHELA
State: TX
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:
On XX/XX/2023, I checked Mohela 's website to determine how much it would cost to pay off my loan. Their payoff calculator was not functioning, so I went by the payoff amount listed on my account home page. I had to make two payments because of bank withdrawal limits. I paid {$45000.00} on XX/XX/2023. I paid the remaining balance ( according to the " payoff amount '' listed on my home page ) of {$24000.00} on XX/XX/2023. As the payment was processing, I noticed that the loan was continuing to accrue interest, so in fact, my loan would not be paid off after this amount. And indeed, after the payment processed, I still had {$15.00} remaining balance. On XX/XX/2023, I checked to see if the payoff calculator was working on the website. It was not, but now there was a message that said " Call this number if you would like to get your full payoff amount ''. So, I called the number and paid {$15.00} over the phone on XX/XX/2023. I don't believe I should have had to pay this additional {$15.00} of interest because I had done everything I could to determine the correct payoff amount while not having the tool ( payoff calculator ) available that was necessary to actually get this done. I believe Mohela is intentionally making it difficult to pay off your student loan so they can continue to accrue interest on your loan. With the payoff calculator not working, now people have to call in and wait 2-3 hours on hold to speak to someone. I just checked today XX/XX/2023 and the payoff calculator page says " Application Error. You have encountered an error in our web application. Our technical staff will address this issue as soon as possible. '' Now there is not even information listed that says you should call Mohela directly to get your correct payoff amount ( because apparently the amount listed on the home page is not correct ). Again, I believe this is unacceptable and completely intentional on Mohela 's part. I think there should be a class action lawsuit filed against Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Mr. Cooper Group 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:
I am writing to ask that the credit bureaus, XXXX, and/or creditors involved to removed the late payments on my credit report. Nationstar/Mr. Cooper bought my mortgage from XXXX XXXX. During this process, My auto pay did NOT transfer over and I was not notified of the mortgage buyout. As soon as I noticed the change, I satisfied my obligation. There may have been old or inaccurate information about me that resulted in me not being notified. As a courtesy and sign of goodwill, please remove the late payments on Nationstar/MrCooper.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I dont know why I am getting this XXXX card. I think it was from a pop up survey that claim to give away gift cards ( which was a lie ) from me using the XXXX app connecting to XXXX website. I feel it is a dishonest way of doing business. I do not want this card and the survey was a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Stellantis Financial Services US Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
On Saturday XX/XX/2023, we got in the line at XXXX that morning at the XXXX Car Dealership on XXXX XXXX XXXX XXXX XXXX XXXX Ms. We were invited to this advertisement from a XXXX XXXX from a sales representative for XXXX XXXX The doors were supposed to open at XXXX but didn't until around XXXX. The advertisement was everything {$79.00}. My husband and I spotted a XXXX XXXX that was a part of the {$79.00} advertisement inventory. The lines were very long, and we stood outside for more than 6 hours, they had a person on the microphone being loud and saying very inappropriate and unprofessional statements. I was very tired, and my blood sugar was very low, the sales rep at this point was pushing to get my file to another office across from the car dealership that was advertising the {$79.00} deals. The car salesman was working other deals at the same time he was working mine, do the paperwork was never reviewed with us step by step. He had us to sign the area on the contract without fully reviewing anything with us. We finally finished after being at the dealership for well over 9 hours out of my Saturday. Once, we drove off the lot with the car the engine light started coming on and not to mention this car deal had nothing to do with the {$79.00} deals as it was advertised. After going through all of this, my husband and I decided we didn't want the vehicle and would return it within the time frame the law supports. The deal with the car was not completed until after XXXX that Saturday afternoon. Due to the weekend and Monday a holiday and the dealership was closed we returned the car that Tuesday early morning. We submitted a letter to the dealership stating that we are returning the car and didn't want to proceed with the deal. They took the letter but was trying to refuse our request to stop the contract and that the car was now returned and we didn't want it. We were treated very unfairly by the dealership, but we never once kept the car upon us returning it along with a letter stating we had returned the car and didn't want to proceed with the deal. I have attached documents pertaining to this claim. Now the loan company XXXX has attacked my credit rating, and we don't have the car it has been at the car dealership since XX/XX/2023. We have no collateral, and it is still at the dealership. This loan has been updated to my credit file unfairly and without any regard of us requesting the deal be terminated within the 72 hours limitations. I have supporting documents for this complaint.

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 2023-04-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was incarcerated  between XX/XX/XXXX until XX/XX/XXXX. During that time a female used my debit card and bank account fraudulently which included debit transactions, ATM withdrawals and checks being written and cashed without my consent. 3 checks were written for the amounts of : {$2400.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, and {$2600.00} on XX/XX/XXXX. Also the female made debit withdrawals and transactions totaling to the amount of : {$6200.00} I never gave consent for her to use my debit card or account nor is she attached on my Wells Fargo account for authorization at all. I've put in a claim for both debit card fraud and check fraud with the Wells Fargo banking company and I'm currently trying to be reimbursed for the fraudulent use but I am getting nowhere and I feel they are making it difficult for me rather than help me with this situation. I've given police report and proof of incarceration. In the beginning I was denied my claim and I called to dispute the decision which then I was told that the claims was escalated to and higher person in the department for review and that I need to send a police report and proof of incarceration  at the Wells Fargo bank to be faxed over to claims department which I did accordingly. Still no actions has been taken into consideration.

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 2022-03-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submited a claim for some purchases made with my debit card were the merchant never sent the items. 
Those transactions are : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX The bank never contacted me to request more information or some document to sign. Even they never called me. Now I can see that the provisional credit made now were charged to my account. 
I called customer service to know about this and they said that i cant reopen the case, the also said that they sent me some documentation to my address something that I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
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:
Per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a " consumer report '' explicitly excludes " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Yet, transactions from my account were reported negatively, exclusively involving interactions between myself and your corporation. This unequivocally runs afoul of the aforementioned FCRA provision. 
In accordance with XXXX compliance standards, I request that you promptly provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist upon the immediate removal of the transactions reported in as late from my consumer reports, as they flagrantly violate federal law. I must stress that my inquiry does not concern validation or verification, and I expect no further delay in addressing these urgent matters.

I also draw your attention to 15 USC 1666b ( a ), which explicitly prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In light of this provision, I reiterate my demand for the expeditious removal of the above-mentioned transactions from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: GA
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 am disputing the presence of unauthorized credit inquiries on my credit report. Several inquiries were made in violation pursuant to Permissible Puruse 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and without my consent or knowledge, which is a violation of my privacy rights and may negatively impact my creditworthiness.

I have not provided authorization for any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. These inquiries were made without a permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and under section 604 of the Fair Credit Reporting Act ( FCRA ). 

I request an immediate investigation into these unauthorized inquiries and their removal from my credit report. Kindly update my credit report accordingly and provide me with an updated copy once the necessary modifications have been made. 

The unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect a prompt resolution to this matter in compliance with the FCRA, which stipulates a response within 30 days from the receipt of this letter. 

If you require any further information or documentation from me to facilitate the investigation, please contact me at the phone number or email address provided above. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the necessary diligence and professionalism.

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 2023-10-17
Company: American Credit Acceptance, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/, I submitted a letter to the Consumer Financial Protection Bureau about the late reporting error being reported by the creditor, American Credit Acceptance. 

According to their response, my XXXX payment was 19 days past due as of XX/XX/, but on XX/XX/, they reported my XXXX payment as 30 days late, which reflects their error in reporting. 

According to the payment report they submitted to the Consumer Financial Protection Bureau, my payment was made on XX/XX/, and was 10 days late. 

Not only did they report my payment as being 30 days late, but the error in their reporting caused my credit score to drop XXXX points. 

On XX/XX/, I submitted a reporting dispute with the credit bureaus, XXXX, XXXX, and XXXX to have their error corrected and on XX/XX/, American Credit Acceptance updated my credit file to reflect my XXXX, XXXX, and XXXX payments as " unknown '', added my current payment status as " 30-59 days late ' and added a note on my file which reads, " affected by natural disaster '' which this inaccurate reporting caused my score to drop even more. 

The erroneous information remains on my credit report in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Paradigm Assets, LLC
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:
Jhpde finance placed an account on my credit report without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
For the past 2 months, I have been writing letters to all 3 bureaus Equifax, XXXX and XXXX including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Credit Corp Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Corp Solutions. contacted my work phone and a third party about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Consumer Credit Corp Solutions. nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$730.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Harley Davidson Financial Services 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: Old information reappears or never goes away

Complaint:
XXXX XXXX company is reporting XXXX late account # XXXX loan opened XXXX and paid off, they will not remove XXXX late its been over XXXX years. I have hired XXXX XXXX to remove it and they told me I must file this report. Its way over the statute of limitations. 

This XXXX XXXX loan was on XXXX and XXXX XXXX names Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 confidentiality under 15 USC 1681.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Missing payments, missing 6 years of payment history, debt can not be validated but they are still reporting it and still billing while i am in dispute of the amount owed. The amount due has been incorrect for years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
State: CO
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  loan XXXX number XXXX has been paid in full credit bureau still showing account as open and owed. Paid in full.

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 2023-10-23
Company: Credit Karma, LLC
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I rcvd an email that my CREDIT KARMA account was temporarily suspended and they would let me know why in a separate email. On XX/XX/XXXX, I received an email that said my account was closed. I contacted them via phone and chat and was told my account was suspended not closed. I supplied the with the email that said it was closed on NUMEROUS occasions. I requested they just close it then and send my my funds. You can not speak with ANYONE directly about the account. There is a " higher up '' dept that is supposed to reach out to you. I have contacted them no less than XXXX times since XX/XX/23 with NO RESOLUTION or RESPONSE from the " higher up '' dept. I have only been told MULTIPLE times that my ticket has been escalated and is under review. I just want them to issue a check to me via USPS mail for {$350.00} and we can be done with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a loan offer in the mail for a company called Regional Finance Corporation of Texas. The single worst evidence of predatory lending I've ever seen in my life. In these uncertain times with millions of people out of work it made me angry enough to take the time to report these scumbags. 

A {$1400.00} check at the bottom of the page. A real check, all you have to do is deposit it, which I am pretty sure is, or at least was, illegal. I wasn't about to take a loan from some random company, but there are people out there desperate enough to do so. Out of curiosity about what I was sure was ridiculously high 30-something percent interest rate I flipped it over. 69.99 % APR!!!!! Plus {$890.00} in processing fees!!! That comes out to repaying the loan to the tune of {$3200.00}!!! How is this not wholly illegal! I'm disgusted by the rank greed of these people trying to take advantage of struggling Americans in this time of national crisis. Please take action against these terrible people. 
Here is the contact info for the company. 

Regional Finance Corporation of Texas XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation