BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: AES/PHEAA
State: WI
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 am writing regarding extreme disarray with the functioning of my student loan servicer, XXXX XXXXg. I received emails indicating that my loans were in a grace period after graduating. Therefore, I was shocked to discover a large debit from my checking account via my loan servicer. I reread the emails to be sure I hadn't misread the content, and I was able to confirm that they indeed stated that my loans were currently in a grace period. In order to have documentation of my contact with my loan servicer, I emailed my inquiry about the situation using my loan servicing account online and for weeks I did not get a response to my question. I called to follow up on the issue and was told that the email that was sent to me was not correct in stating that my loans were in a grace period. Only some of my loans were in a grace period, but others were not, which caused the large withdrawal from my checking account. The representative could not provide me with any information regarding why I had been sent incorrect information regarding the status of my loans. 

Since I am taking care of an elderly family member with XXXX in lieu of working, I am unable to afford my student loan payments at this time. I applied for an Economic Hardship Deferment, and provided documentation using the online file upload. I have not received any acknowledgement that my application for deferment was received or processed in three days it will be one month from the date I applied. I called again and was told that my application was received but it has not been processed, and that it could take up to 20 business days, but that the processing times have been beyond this time frame. I was told by the representative that the only option was to contact my bank to file for a stop payment, which cost {$30.00}. After having the bank put a stop payment on my account I received an email from XXXX   XXXX  indicating that they had processed another debit from my account. When I went to verify this with my bank I found that this was incorrect, because the stop payment prevented the debit from being processed. Yet another email which provided correct information from my servicer. I understand that I am not alone in my experiences with this company. My experience with the company related to the Public Service Loan Forgiveness program has been terrible, with the  company losing my paperwork repeatedly. The conduct of this student loan servicer is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: SC
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 The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. 
Once again my rights are being violated and illegal practices is taking place. 
I have not given Any company written or verbal consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortage Company Carrington Mortage Paid My Property Taxes Twice. I've been reaching out to the Mortage company for 4 months and have not gotten anything resolved. I first reached out to Carrington Mortage Company threw Fax on XX/XX/2022. The amount of the over payment to the City of XXXX Tax Revenue is {$550.00}. Carrington mortgages made a payment to the city of XXXX for XXXX in XX/XX/2022 and XX/XX/2022. Because of this my Escrow is negative and my Mortage payment is {$100.00} higher than what it should be. I am a widow with XXXX income running my home. Inflation, groceries, utilities, gas etc. is rising and will continue to rise. The city of XXXX said it could take 3 + months to get a refund however Customer service rep stated they would make a request that Carrington Mortage return XXXX to my escrow account and do another escrow analysis to determine new mortgage payment and I would be contacted in 24 hrs. on a status. I've heard nothing. I was told by a supervisor I am not getting the refund and the company is not going to request a refund. I've faxed the Loan administration Dept and NOTHING. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: MOHELA
State: IA
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 have public student loans and recently applied for public service loan forgiveness ( PSLF ) in XX/XX/2022 through the loan servicer MOHELA. 

I mailed my PSLF application form to MOHELA in XX/XX/2022 and learned from them 2 weeks later that they had lost it. I uploaded my PSLF form to their website through my account that day in early XX/XX/2022. On checking the website recently on XX/XX/2022, the document had disappeared from the 'received documents ' section. I re-uploaded the PSLF application on XX/XX/2022. It again disappeared when I checked the 'received documents ' page on XX/XX/2022. I re-uploaded the PSLF application on XX/XX/2022. The document disappeared from MOHELA 's website again on XX/XX/2022. I re-uploaded it then for the 3rd time. The document disappeared from MOHELA 's website again on XX/XX/2022. I re-uploaded it then for the 4th time. The document was gone yet again from MOHELA 's website when I just logged in on XX/XX/2022 evening. I re-uploaded the PSLF application for the 5th time just now. This is becoming madness as my uploaded PSLF application has now disappeared 5 times and my mailed form was lost by MOHELA. 

This can not continue. I need to be able to submit my PSLF application somehow to MOHELA and to have the form acknowledged and processed before the XX/XX/2022 deadline for this process. I have already sent MOHELA multiple messages and called multiple times with no reply or help provided. Whether this fraud is accidental or intentional, it is significant and provides me with no access to a repayment option for my student loans that should be legally available to me. I am considering legal action in this case.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: VA
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:
After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like Equifax, XXXX and XXXX, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information. 

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 

I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ). 

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like Equifax, XXXX and XXXX aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX ( AXXXX XXXX XXXX ) *XXXX  * XXXX * XXXX XXXX XXXXXXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Complete Credit Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please be advised, I just discovered that a company by the name of Complete Credit Solution has reported me in collection claiming that I owe {$1400.00} for a company XXXX XXXX. Please understand that I do not or ever do any business with that company and totally believe this is an act of fraud. Please investigate and have them remove my name from the credit reporting agencies.

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 2020-10-02
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: Information belongs to someone else

Complaint:
I called on the phone with all 3 Credit Bureaus also XXXX  I told XXXX  I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications May be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: NC
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
I received a response throught the cfpb complaint portal from Equifax stating that my with XXXX XXXX XXXX Account # XXXX shows paid as agreed with XXXX late payments and when I contacted Equifax I was told that the status is XXXX with XXXX XXXXXXXX balance. I was lied to and I've suffered abuse with both company 's. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section A Section 2 also states a Consumer reporting agency can not furnish an account without my written consent to furnish this account on my Consumer report. Also I have not received the 1099c which is required by law to be sent to the Consumer once it is placed in a charge off status which the company failed to do so. Per the furnished report the account was charged off in 2021 of XXXX a year later. Therefore, for me lied to and have my rights violated I am motivated to request a removal/deletion of the XXXX XXXX XXXX Account XXXX XXXX from my credit profile. 

Once this investigation has been completed I would like to have a copy of my credit report after the account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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 called on the phone with all 3 Credit Bureaus also XXXX  I told XXXX  I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess

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 2021-02-16
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made XXXX payment XXXX XXXX, 2020 and they closed my account on XXXX XXXX when all banks are closed? Of course they closed because I paid of the part of the balance that would allowed them to charge intrest. I have made my payments as promised and haven't not defaulted on any credit card. Closing my account like they did negatively effects my credit score. Synchrony Bank has history of pulling this XXXX! They randomly make decision that negatively effect your credit no matter what your payment history is with them. They need to be shut down!

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 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
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 : >In Collection< # XXXX 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. The above inaccuracy is stopping me from being able to acquire a loan to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: VA
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:
This account is being ran as a charge off. I have never received the 1099 cancelation of debt form and because of this the account isnt accurate and must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
As an academic who has worked for both XXXX  and XXXX universities, I have had a need to keep bank accounts open overseas even though I am back in the XXXX. In order to pay bills incurred in the XXXX, I maintain a XXXX credit card. For several months I used my XXXX bank 's international money transfer service, but it was expensive ( up to 25 % of the funds I was sending ), so I switched to PayPal, using my XXXX-linked email to receive funds, and my XXXX one to send them. PayPal was aware that I had two accounts, in fact, it was their suggestion to resolve the international funds tranfer issue. 

In XXXX, I sent funds to my XXXX-linked email account and attempted to access my PayPal account and transfer the funds there to my XXXX bank where I was going to use them to pay the credit card bill. However, despite numerous attempts to clear security with PayPal, including providing the security codes they sent to my email, they insisted I was not authorised to access the account without use of a no-longer-in-use XXXX phone number. They offered NO alternative. 

I filed a formal complaint about the lack of access to my funds. They denied my claim, insisting that the funds had been delivered. THAT was never the issue, as my complaint made clear. Unfortunately, the complaint was made via their online portal and their emails don't seem to include the original text. 

I have replied to that denial, but as they didn't even bother to address the actual complaint I made, I am doubtful that any change will occur without outside influence. Meanwhile, there is over {$100.00} of my funds I can not access, which might not sound like much, but is quite significant in my life. 

At present, there are funds in a PayPal account that PayPal will not allow me to access, nor will they provide me with a refund of those funds. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.

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 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi, It is my understanding that a debt collector must furnish a letter within XXXX  days of contacting you. According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX  days after receiving the notice, the debt collector will assume that the debt is valid. Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a five-day letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX  times after the initial contact. I am retired and living on Social Security as my sole source of income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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