BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from AWA COLLECTIONS requesting payment for an account they have no right to collect on. I sent a certified letter on XX/XX/XXXX asking for validation of the debt ( pursuant to Fair Debt Collection Practices Act, 15 USC 1692g section 809 ( b ) ), they did not provide the validation information. On XX/XX/XXXX they reported the same account to XXXX  as delinquent. They need to remove from my credit report as they did not provide me with a sign agreement that shows I agreed to pay this debt to them back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Solar Mosaic LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
On XXXX new home owners were denied transfer of solar loan based on low income. 
Then, on XXXX, new homeowners reapplied with a credit score of XXXX and a household income of XXXX and were again denied, this time with no explanation for denial. As the current owners of the home, our household income which initially qualified us, was way less, XXXX, and we were approved. 
Mosaic loan company has not provided us with any guidelines as to what the new home owners need to meet for approval or denial of a loan transfer. They have also not provided any of the parties with a direct contact for the loan approvals, stating that the loan officer can only go as far as gather the information but it is up to a legal panel ( only reachable via email and not direct contact ) that will approve or deny the transfer. This has delayed the sale of our home, which the new homeowners have been approved for, by over a month, to the point the new homeowners are about to time out on their home loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit is attempting to collect an alleged debt from me the consumer. Has midland got " Direct Consent from me the consumer " or the express permission of a court of competent jurisdiction? I defiantly did not give midland direct consent to communicate to with me period .Has this alleged debt been verified pursuant 15USC 1692G? if not wouldn't it be false information if reported that I the consumer owes this alleged debt? and would it not be a violation of 15USC 1692e ( 8 ) if I the consumer disputed this false information and midland still furnished this inaccurate information on my credit report? Midland credit has violated my rights under the ( FDCPA ). pursuant 15 USC 1692k midland is liable for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: MOHELA
State: PA
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:
My school loans were transferred to Mohela. I was at XXXX payments towards PSLF. My Mohela account SHOWED that my payments were at XXXX payments. I submitted an employment certification update from my current employer ( XXXX XXXX XXXX ), as I try to do every year or so to keep my payments updated. Instead of adding payments, Mohela TOOK AWAY payments and set be back at XXXX payments. I contacted them XX/XX/23 to resolve the issue. Thier tracker is still sitting at XXXX payments and they have not contacted This has me insanely concerned, since I was so close to pay off. They have all of my certifications on file and I completed the temporary PSLF application back with my previous provider ( however I had applied and been tracking PSLF my entire career ). 

Thank you

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 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX, I logged onto my account via the Bank of America app and noticed there were pending unauthorized transactions on my checking account. There was a {$2000.00} withdrawal at XXXX XXXX NY and a {$2.00} balance inquiry fee. I immediately called Bank of America who told me not to worry, I'm protected against fraudulent activity. I told them I'm located in XXXX XXXX and the transaction says XXXX NY. The rep said they noticed that as well and not to worry. They'll submit a claim. A moment later, they told me a claim can not be submitted because the transaction is still pending then told me to call back tomorrow. I called back and told the rep about the unauthorized amounts again. This rep also said not to worry, I'm protected against fraudulent activity which is what this definitely looks like being that I'm in XXXX XXXX and the transaction is in New York. They submitted a fraud claim and told me the funds will be back in my account in about 2 weeks. Claim # XXXX was created. On XX/XX/XXXX, I received a letter telling me a temporary credit will be issued. On XX/XX/XXXX, I received a letter stating research is completed and the claim is closed. I called Bank of America, XXXX XXXX then tells me that the claim is closed. I asked him what happened. He says they closed the claim because a card was swiped and pin was used. I told him it was not me. It is fraudulent. We are in a pandemic. We haven't travel outside of XXXX XXXX. I asked if the company was contacted. He said his notes say they did not reach out to the business. I couldn't believe this was the research done on the bank 's end. I informed them of fraudulent activity and the only research done was to check if a card was swiped and pin was used? I told him why would I have a fee charged to my account for a balance inquiry when I can easily log into the app or website or even call the bank of my card to check my balance for free? The rep agreed and noted it doesn't make sense. He also noticed that I was in XXXX XXXX and the transaction is in New York. It definitely looks like fraud. He will escalate this to be reevaluated and to not remove the temporary credit. On XX/XX/XXXX, the bank removed the credit. Bank of America claims to have fraud protection and that they care and understand what's going on but in reality, they don't care and do not protect against 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 monetary relief
Consumer complaint received 2023-01-26
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:
my rights were violated, XXXX still is reporting a bankruptcy and a late when the company updated saying that information is not true. the XXXX XXXX  is reporting closed but its open. XXXX and Equifax are reporting its closed as well. XXXX has a fraud alert in which i asked several times to remove, Equifax are reporting fraud inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: WA
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:
Previously on XX/XX/XXXX and XX/XX/XXXX I had submitted a request for a mortgage account to be reviewed and repaired based on some concerns that I had noticed. While a couple of errors have been repaired the account still largely remains inaccurate and the bureau has not offered any proof that they are in fact correct. 
I have specifically asked for proof from all three bureaus as to why the " date opened '' for XXXX shows as XX/XX/XXXX but on Experian and XXXX  it shows as XX/XX/XXXX I have specifically asked why XXXX  and XXXX show a " payment status '' as Late 120 Days, Experian shows a " payment status '' as " Late 180 Days '' all on a closed account and XXXX is even reporting an " ok '' payment history clear through today ; again on a closed account. 
I have specifically asked why XXXX shows a " date last active '' of XX/XX/XXXX where Experian shows it as XX/XX/XXXX, and XXXX shows it as XX/XX/XXXX. Still no eveidence of accuracy or correction to the account at all on any of the bureau 's part. 
I have repeatedly asked why the " date of last payment '' is reporting as XX/XX/XXXX for XXXX  and Experian but XX/XX/XXXX for XXXX  and again no response other that " verified as accurate '' or " updated '' with no corresponding proof. 
I also reached out to the mortgage company listed with the address that the bureaus provided and my certified mail was returned not deliverable.

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 2023-11-28
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
ACCOUNT ENDING IN XXXX WAS COMPROMISED DATA BREACH AND IDENTITY THEFT BELIEVED TO BE AT HAND AS WELL AS TEXT SCAMMING AND BREACHING DATA. 
I HAVE REQUESTED A NEW CARD FROM DISCOVER WITH AN UPDATE AND THEY HAVE NOT REPLIED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On or about XX/XX/2023, I informed Mr Cooper/Nationstar that my home is under contract and the loan would be paid off on XX/XX/XXXX. I gave them my forwarding address for the refund of my escrow account. On or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have called Mr Cooper to inform them no checks have ever arrived and that I would like my escrow balance wired to me. ( I also talked to my postal carrier and they have been on the lookout for 3 checks that were allegedly mailed to no avail ). I have provided direct deposit documentation along with documentation of my new married name so they can update my account. Nothing has happened as of today. I have been dealing with an amazing lady named XXXX and she has tried so hard to remedy this issue but cant seem to get the proper approval or information in order to reissue my escrow funds. First account services told me that checks were issued on XX/XX/XXXX and XX/XX/XXXX, respectively but now I am being told there was a wire transfer on XX/XX/XXXX that never came. I am have tried all options to get my funds and nothing is working. They never issued 3 checks to me otherwise I would have received at least 1 of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
NAVY FEDERAL CREDIT UNION, Account # XXXX, Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX  This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted Equifax Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to Equifax on four other occasions that all of the individual tradelines for XXXX US DEPT, FEDLOAN, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans have been duplicated and they should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a request for investigation under FRA 611 ( a ) to ( EXPERIAN ) on ( XX/XX/XXXX ) in reference to the following account ( s ) : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate, otherwise the information must be removed under federal law. EXPERIAN has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. 

Please do not " update '' or " verify '' this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Medical statements will not suffice. Send my actual signature on a contract. As this debt is Not mine. 

I am asking for this verification because my credit score is important to me. and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I would like to remind you of Dixon-Rollins v. Experian Information Solutions . Inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information I expect to receive a response within 15 days of receipt of this letter. or I will expect to see the item in question permanently expunged from my record.

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 2023-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: TDS Financial LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company called me XX/XX/XXXX and sent me a voicemail threatening to sue me if I do not contact them within a week about a debt that is owed to them. I believe they are inpersonating as a mediation company to try to retrieve info about me and threatening me because they want me to pay the debt in question quicker. They refuse to give me any information.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: TDS Financial LLC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called from R & R solutions based out to XXXX XXXX California last week and was told that they have mailed me paperwork, ( I did not receive ANYTHING ) they stated that XXXX schools of beauty ( Who has been out of business for YEARS because they committed FRAUD on loan applications has a balance owed from ME. 

I immediately asked if this was fraud because I went to that school over 13 years ago and I am making monthly payments through XXXX XXXX  for my student loans. 
It did not add up to me that after 13 years all of a sudden I have a " debt '' I asked for the account statement to be emailed and mailed to me with all information. 

They emailed me and the document had the name of a totally different person on it. ( VIOLATES MANY GUIDELINES ) They called me again this morning and asked about the documents, I again mentioned that this debt is VERY questionable and I requested an account statement, they said they need to know how I want to proceed if I want to be taken to court and then they will assess ME legal fees and court fees. 

I asked to have time to try to look into this matter on my own.

Company response to consumer: Untimely response