BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: MOHELA
State: CA
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:
XXXX : Auto-payment of old certification ( about $ XXXX ) in process. 
XX/XX/XXXX : Income recertification was completed online to expedite processing to lower payment, as income has dropped. Kept IDR plan as is. New calculated payment is around {$700.00}. Application is processing, though no documentation is required per company, since policy now is that until XX/XX/XXXX, income can be self-certified. 
XX/XX/XXXX : Contacted Mohela about changing auto-payment amount to updated lower payment -- rejected, since autopay already processing and do not want to go into forbearance, due to PSLF eligibility. 
XX/XX/XXXX : Auto-payment of {$1200.00} processed. 
XX/XX/XXXX : Processing Delay notification in inbox from Mohela. 
XX/XX/XXXX : Income recertification still in process. Contacted Mohela to request that if processing delay persists past the next payment amount due ( XX/XX/XXXX ), that I receive a refund. Mohela response : if application is still processing at time of next payment, I am not yet " approved '' for new payment amount and I will still owe old payment of {$1200.00}. My payment of {$700.00} will not be effect until the application is processed and approved. My response : if it wasn't for the delay in processing, my application would not take over 30 days to be process. Why should I be punished ( owe more money ) because of a processing delay? If my application was dated in XXXX, there was no warning that my application for lower payments would potentially not be approved beyond a month. If my application in XXXX states my income has changed, why would it not apply to my payments starting in XXXX? It does not make sense that the updated lower payments do not take effect until the application is processed. If a processing delay is order, I have the right get a refund for a payment done while there is a lack of staff to accomodate the large amount of paperwork during this unprecedented time. It is not my fault student repayment restarted for millions of people at the same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I looked up this number. It is a scam! XXXX Nationwide Recovery Service. 

I DO NOT OWE ANY DEBT!! 

I did not answer, the caller left a 36-second voicemail claiming to be " Nationwide Recovery Service, a debt collection agency attempting to recover a debt and directing the recipient to call the above number. This is an attempt to collect a debt ... this is not a sales or telemarketing call..etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: IL
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 account of XXXX XXXX is not reflecting consistent or accurate information. I have advised the bureaus, cfpb and the XXXX  and this account is still reflecting inaccurately on my credit files. 
Dates, are wrong and or incorrect, reported dates inaccurate, late payments inaccurate. There are many inaccurate items. 
There is also a new inquiry from XXXX XXXX that is unauthorized. I have not granted any permission to run my credit for a student loan.

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 2023-08-11
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their failure to process my dispute within the stipulated 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). I find this situation deeply concerning and hope that your intervention will help rectify this matter promptly. 

On XX/XX/2023 and on XX/XX/2023, I submitted a dispute to Equifax 's, reference attached letters, regarding inaccurate information on my credit report. The discrepancy pertains to names that are not mine, addresses that are not mine, an incorrect accounts, incorrect late payment and one account that I didnt open. Understanding the importance of maintaining accurate credit information, I promptly initiated the dispute process to rectify this situation. 

Despite the statutory requirement that credit reporting agencies investigate and resolve disputes within 30 days, I am dismayed to report that Equifax has not taken any action on my dispute within this timeframe. As of today 's date, it has been more than 60 days since I filed my dispute, and I have yet to receive any communication or updates from Equifax regarding the resolution of this matter. 

I want to emphasize that the accuracy of my credit report is essential for my financial well-being and my ability to access credit on fair terms. Equifax 's failure to address my dispute in a timely manner has caused unnecessary stress and frustration, and I am concerned that this delay could have lasting negative implications for my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure that Equifax promptly processes my dispute and provides me with a written response detailing the investigation 's outcome. I also urge you to take appropriate actions to ensure that Equifax complies with the FCRA 's requirements moving forward, as this situation highlights a disregard for the rights of consumers like myself. 
Enclosed with this letter, please find copies of relevant documentation, including proof of my dispute submission and any supporting evidence regarding the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address my complaint and hold Equifax accountable for their failure to adhere to the FCRA guidelines. I look forward to a swift resolution and appreciate your assistance in rectifying this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never had a credit card with XXXX XXXXXXXX XXXX, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears on 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 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I have received email notification of opening Merrill XXXX XXXX account. I have not authorized the opening of such account. I have called Merrill Lynch to put a stop on the approval process and flag the opening. I received email confirmation but no one can provide me with a written confirmation and validation that such account has not been opened and that my identify is flagged from opening future accounts. 

I have also requested proof of my identity, which I would assume was needed to open an account and no one was able to provide or confirm that such validation happened.

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 2023-05-19
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: Personal information incorrect

Complaint:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NV. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute with USAA back in XX/XX/2021 for an issue when trying to have a vendor apply a credit for a purchase to a debit card. The debit card used for the purchase had been closed by USAA shortly after due to a notice of fraud attempt on the card. A new debit card was issued to me by USAA but the vendor had indicated they could only apply the credit to the card number used for the purchase. 
I recently received notice that USAA is refusing to apply the outstanding {$48.00} credit to my new debit card that was issued to me by vendor, XXXX back in XX/XX/2021. 
I have yet to receive a detailed, documented summary of the reason for the denial after requesting this in writing. 
Just to be very clear, the dispute is not with the vendor it is with USAA. The vendor attempted to issue me the credit correctly but had to issue it to my closed debit card. So, it was the responsibility of USAA to then appropriately transfer/apply the credit to my new debit card issued by USAA, due to attempted fraud on the closed card. 
The irony is that USAA apply the partial credit of XXXX to my account but said they had to further review the remaining amount of XXXX, which made no sense to me but I allowed them the ability to go through their review. 
I provided USAA very thorough documentation of the purchases, credits, etc. and can not fathom why they are declining to issue me the remaining credit. 


I am formally requesting a further review of my credit request by USAA - again the vendor issued the credit so it is up to USAA to properly transfer the credit to my new debit card via my checking account. Again, this dispute was not with the vendor but rather with USAA for failing to appropriately apply the remaining credit amount to my new debit card and hence existing checking account. 

I am attaching copies of the credits issued by the vendor company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: FIRST ADVANTAGE CORPORATION
State: TX
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: Report provided to employer without your written authorization

Complaint:
My background check was sent out by 3rd party agency without my permission and provided to XXXX recruiting, XXXX XXXX, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian credit bureau should be required to have live agents to answer the phone. I had to freeze my credit because the credit bureau 's can not keep my information safe. Then when I need to open an account I have to go unfreeze my credit. Their website does not allow me access even though I answered all the security questions correctly. They want me to send in a letter. I need the account open ASAP. If someone answers the phone I could get help. Everything is automated. A company with this much control over your financial business should be required to have real staff to help out on unique situations. Its is unacceptable to not be able to get a resolution without sending in a letter. Completely frustrating, unprofessional nonsense. Its like having a XXXX service that you can not call. I can call my local XXXX and get someone to pick up the phone. This needs to be addressed and have stringent requirements installed.

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 2023-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-10-25
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Sent {$260.00} to a client for cash app and misspelled name and sent by accident cash app will not help get a refund and the person keeps denying my refund and wont send it back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: MOHELA
State: OR
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:
Hello, I tried making a lump sum payment of {$1000.00} on XX/XX/2023 to pay down my student loan balance. Instead of doing that, it paid off 7 months in advance. So they took the money and applied it to interest instead of principal. I tried calling Mohela on XX/XX/2023 to figure out how to make a principle only payment and they are telling me it is not possible. This can not be true, they simply just do not want me to pay my loan off early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023, I wrote a check for XXXX dollars to a Wells Fargo customer for a completed work project. The check was paid by my bank the next day, XX/XX/XXXX, Monday. Wells Fargo put a hold on the check stating that my signature was incorrect and suggesting to their customer that I cancel the check and reissue it. 

The hold was for XXXX  days ( until XX/XX/XXXX ). For the next ten days, the reps at Wells continued to tell their customer that my signature was wrong and that was the reason for the hold. Each time their customer came back to me asking me to re-write the check, I had to tell him that the check was paid and Wells had my money. 

This resulted in confusion as the Wells customer wanted to believe what his bank was telling him. When he showed the reps at Wells a copy of the canceled check, they took a belligerent tone with him. 

I've complained to the XXXX, FDIC, and NC DOJ. The latter two agencies referred my complaint to the Comptroller in XXXX. All agencies with the exception of the XXXX claimed confidentially issues barred them from addressing my complaint. 

My concern is that non-English speakers ( and possibly others ) are being targeted with excessive check-holding practices, citing false reasons. My understanding is that every bank has a right to hold checks for any number of reasons. My problem is that Wells used me to lie to its customer. If they are doing this to others it is causing a headache for many. The payoff is that they earn pennies to the dollar in interest on every cashed and held check. 

The reps at Wells Fargo will cite confidentiality reasons when they view my complaint. And that is understood. But so far, I'm led to believe the bank will continue this bad practice unless they are held accountable.

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 2019-08-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
When the calls started I was at work I would answer and let them know that I could not speak with then right now I was at work if they could reach me at a later time to discuss the matter at hand. They were very rude and demanding that I speak with them now would not take not right now for an answer ... being that I was at work I would have to hang up they wld call back repeatedly by they I mean ( IQ Data ) the calls were more than 2x a day  even after I had already spoke with them once that day they would call back with in minutes talking about how this would go into legal action if not handled right then and there. Again I was at work but that was no exception to them. I'm not sure if this will help but I'll be filing a formal complaint with the states attorney about this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I made a payment of {$380.00} to cover the minimum balance. On XX/XX/XXXX I submitted an extra payment of {$3000.00} to pay down my Wellsfargo XXXX XXXX Visa Signature Credit Card balance. Once this payment was submitted my credit limit was dropped {$9000.00} without notice or any explanation. This result has put my livelihood at risk. This is one of the major ways I pay for my child 's daycare and everyday expenses and it comes after making a very large payment of {$30000.00}. At the same time of making this large payment to Wellsfargo and Wellsfargo decreasing my credit limit, it also caused my daughter 's daycare payment to decline and me having to come out of pocket another {$1100.00} days later. I have never been late on a payment. I have always been on time and paying more than the required minimum balance often.

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