BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: FISERV INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered from XXXX on XX/XX/2023 - the amount was {$68.00}. I han another order from XXXX on XX/XX/2023 - the amount was {$160.00}. Both orders were paid from my checking account via Telecheck. 

I was double charged for both orders : My checking account was charged on XX/XX/2023 in the amount of {$68.00}. 
My checking account was charged on XX/XX/2023 in the amount of {$68.00}. 

My checking account was charged on XX/XX/2023 in the amount of {$160.00}. 
My checking account was charged on XX/XX/2023 in the amount of {$160.00}. 

My bank sent back {$68.00} and {$160.00} because of the double charge, NOT INSUFFICIENT FUNDS! Two days later I get an email from a collection agency TRS Recovery Services, XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX. XXXX has locked my account, unable to place orders, until I send money in the above amounts to the collection agency. I was required to send my bank statement to the collection agency for a " 30 day review ''. I filled out the form, sent the information and nothing has happened. 

I contacted XXXX- they said I did not pay my bill. 

The whole issue is a Telecheck XXXX XXXX. TRS Recovery 's client is Telecheck. I believe this is all an invented scam to fraudulently force me to send them money that I do not owe. 

I also am concerned Telecheck and TRS Recovery will send fraudulent information to the credit bureaus as another way to extort money. FRAUD!!!!!!!!!!!

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 2023-03-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I have been trying to resolve this issue for two years. I called today to try and get XXXX XXXX to send me anew pay off date and amount also. I purchase a XXXX lexus in XX/XX/XXXX. I got a maintance plan and decided it was not worth the money. So instead of sending the money to me, XXXX XXXX sent {$2900.00} applied the money to my account. I wanted the money sent to me so I could do what I wanted with almost {$3000.00}. My car origial pay off date is XX/XX/XXXX. Well, today, I called and it is still XX/XX/XXXX. I told yhe customer service person my payy date should be in XX/XX/XXXX if the {$2900.00} was applied to my account. I could not get any help. The XXXX XXXX has taken my Refud and not applied to my balance at all. I been calling them for two years asking for my new payo date in writing and nothing has change. They are trying to steal that {$2900.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized hard inquiry that needs to be removed from my credit report. The inquiries to be removed are listed below and I willalso liketo add that I wasa victim of theXXXXequifax data breach. 

1.XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions Inc.
State: IN
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 reached out to the bureaus on several occasions in regards to the vehicle reporting on my credit reports causing me harm that i do not need. NOBODY seems to have an answer of to why a vehicle im not associated with or a vehicle I have no recollection on is in my name and or reporting. XXXX  XXXX is reporting a vehicle that isnt mines on my credit report, it was done without my consent and without my knowledge. They are reporting a XXXX XXXX XXXX that has been illegally attached to me. Find out who did this and send me documentation that was used to open the loan as well as signatures. Please delete this so I can move forward with my future endeavors.

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 2023-07-20
Company: Experian Information Solutions 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT TREASURY XXXX DPT TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: MOHELA
State: IN
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 have well over 120 qualifying and employment verified months for my student loans to be forgiven under PLSF. MOHELA has my account and has put me under 2 ninety day reviews even though they have ALL of the correct paperwork verifying my employment as a XXXX  and working at XXXX. My loans also have Senator XXXX XXXX on my account to act as POA since I've had nothing but a mess from XXXX  and now Mohela. Enough is enough. Action needs to take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, 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:
I submitted a dispute to Equifax on XX/XX/XXXX, regarding XXXX XXXX. XXXX ( XXXX ) has reported that I am late, lowered my credit limit, charged XXXX in interest XXXX wrongfully ),  and has started harassing me. I uploaded 5 pages of documents showing that when I made the purchase, I signed for 48 months NO interest equal payments. They stated that Equifax verified the debt. There is no way they have signed papers after XX/XX/XXXX which is when I made this purchase. Equifax failed to actually look at my documents and verify what the lender sent. This has caused undue stress and a continued lowering credit score. According to the Fair Credit Reporting Act, they have an obligation to verify and have failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: MOHELA
State: CA
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:
There are three student loans showing up on my Mohela account that were paid off. 

XXXX XXXX XXXX XXXX with a principal of {$1300.00}. 
XXXX XXXX XXXX XXXX with a principal of {$2200.00}. 
XXXX XXXX XXXX XXXX with a principal of {$3300.00}. 

These three loans were PAID off when the servicer was XXXX. 
These loans were not present on my account a few months ago. 
It is the responsibility of MOHELA to communication with XXXX to ensure what loans were paid off. 

MOHELA has also started charging interest on student loans when the Biden Administration has stated Student loan interest will resume starting on XX/XX/2023, and payments will be due starting in XXXX. 


I have tried numerous times to call MOHELA and only a machine answers that eventually just disconnects after waiting an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: MI
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. XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company continues to post inaccurate information to credit report without knowledge or contact.Item was not on report at all and all of a sudden appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Law Offices of Robert A. Schuerger Co., LPA
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I was reached out to Schuerger Law Group ( https : //www.schuergerlaw.com ) via phone ( that was recorded ) on XX/XX/ indicating that they are a debt collection agency looking to collect about {$5000.00} from me through my previous university. 

During the call, I asked the representative for a validation request because the debt they indicated sounded much more inflated than the number I believe I owed. She denied me this request while berating me and yelling at me through the phone. I immediately told her to escalate the call to her manager and asked for a validation request through him, and he agreed. In the email I received to opt-in to their communications, I responded ( attached ) indicating the amount I owed about and a list of questions I am entitled to ask. 

On XX/XX/, nearly 2 months later, I received what I suppose is their validation request, but it looks to be an invoice ( attached ) from the university I attended, listing a debt to be around {$1600.00}. I never received an actual Billing Statement from this group. I reached out to my university 's XXXX XXXX XXXX on XXXX to confirm the debt amount, the amount a collection agency is able to increase the debt, and the debt collection agency my debt was sent to. After gathering this information, I can clearly identify the Schuerger Law Group was providing misinformation about my debt and hoping to deceive me into paying a higher amount. I have reached out to them to let them know that I will be submitting a complaint to CFPB I also reached out to CFPB on XX/XX/ to validate whether this complaint is warranted or not, and the representative agreed that I should move forward with a complaint due to the false information provide AND because the collection agency did not provide the full scope of a validation request ( they did not provide me an option to dispute the claim ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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:
I have disputed this account with you before and you failed to remove the account without validating the correct balance and payment history. I reported that you are reporting the wrong balance. I will attach the settlement letter from this company showing the correct balance I owe. Even without the settlement letter, the XXXX bureaus are reporting different amounts. How does this meet FCRA guidelines when all data furnished should be the same? I am demanding that the following account is removed from my credit report due to inaccurate reporting and due to the account being settled. Being that I have proof of incorrect reporting and my attempts at getting this account deleted, I will be seeking compensation due to many FCRA violations if this account is not removed from my credit report within 15 days : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 RECEIVED MY CREDIT REPORT ON XX/XX/XXXX XXXX AND NOTICE THERE WERE HARD INQUIRIES THAT DONT HAVE PERMISSIBLE PURPOSE TO BE ON THERE .THESE HARD INQUIRIES ARE HURTING ME FOR GETTING APPROVED. I ALREADY REACHED OUT TO THE CREDIT BUREAUS ABOUT THIS MULTIPLE TIME THEY KEEP VIOLATION MY RIGT UNDER 15 USC 168. I ALSO HAVE ATTACHED. THE HARD INQUIRIES THA DONT HAVE NO PURPOSE TO BE ON MY 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 explanation
Consumer complaint received 2019-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent in all documents to Select Portfolio Servicing each time you send in documents they act like they don't recall what you send and have you go over and over the same thing over and over again. They reverify more than XXXX times in order to process a modification the rep don't remember what the other rep said and the loan department ask you to resend the same document over and over. I am getting nowhere with this company. Yet they are sending me paperwork that keep adjusting my payments higher and higher during the time I am submitting paperwork to be modified. I hang up the phone and was told just to send schedule XXXX page of 2018 and that will be it and the next day I call and we start back over all over again like we never talked  the reps have no information on what is being processed from what is finished what is a light bill to what is a gas bill I am getting no where with this modification after spending weeks trying to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
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:
PLEASE REMOVE THE ATTACHED COLLECTIONS EFFORTS. I AM CURRENT ON ALL SUPPORT PAYMENTS ; THERE ARE NO COLLECTIONS AMOUNTS DUE OR OWED. PLEASE REMOVE COLLECTION NOTE/SECTION FROM MY CREDIT REPORT. SSN XXXX see attached Court Order. I am current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute the accuracy of my credit report. The following information is what I believe to be correct : Name : XXXX XXXX XXXX ( 15 U.S. Code 1681i ) Address : XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX ( 15 U.S. Code 1681 ) Please delete any other personal identifiers that are not listed above and ensure that there is only one of each type of personal identifier on my credit report. I believe that this is required under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 

I also reserve the right to seek remedy for any violations of my rights under the FCRA. If you can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA.

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 2019-01-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had a lease with an apartment complex that we had to get out of because we couldn't pay for it. We negotiated getting out of the lease, got a sub leaser, cleaned the apartment and left. There was a collection put on our reports after the fact for XXXX. This was far more then even the remainder of time on the lease and they have not sent us a breakdown of whats owed and why. We have attempted to get this removed by going directly to the company in question but have had no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Bank Of America has committed fraud against me in regards to my vehicle. The regulatory complaints department reaches out via email, yet every time I contact them I can never speak to the person who is supposedly dealing with this issue. This is the second point of contact to reach out from that department but I never get this matter rectified. I have sent out several affidavits and other correspondence to Bank of America via certified mail, secured email provided by them, phone calls and this issue has yet to be handled. I asked for documents regarding the vehicle loan. Under TILA Regulations they are to provide a consumer with documentary evidence of being the obligate party to collect on the alleged bet of the loan. Once I figured out the were committing fraud and challenged the in accordance with the regulatory laws they discharged the loan as I was requesting and which regulatory law requires them to do if they could not provide the documents in which I requested. Now Im having a issue with them providing the title to my vehicle. I followed every regulatory guide line and Bank Of America refused to provide the documents. They stated they were above these laws and that they considered the laws to have no merit. I have spoken to several employees who have claimed to be high level employees in the company yet they can never be reached again when I submit my complaints to them. I will just move forward with a federal lawsuit and take this matter to court. I have given Bank Of America more than enough time to rectify this matter and the have refused to do so.

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 2020-04-29
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been waiting on a card from Way2Go for 30 plus days. 15 days ago I waited on hold on their only avenue to contact them. They said they corrected the issue and a card would be to me no later than 10 days. For the last 5 Days, I've been on hold with the XXXX number and can't get through. Each day I've waited from 3 to 6 hours on hold. I finally give up between 3 to 6 hours. Currently today, on hold while writing this complaint for 2 hours. 

Todays date is XX/XX/2020. As of last week of XXXX, I've had XXXX paycheck but {$1000.00} 's of dollars are loaded on my way2go card with zero way of accessing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; DPT EDXXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4800.00}.

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