BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 recently sent in a complaint to Credit Acceptance about late payments they are reporting to the 3 credit agencies. Credit Acceptance responded saying they are in compliance witht the fair credit reporting act but I completely disagree. I have attached their response with my written notes and violations Credit acceptance is clearly in violation of without a doubt. I want this account to be updated before I think about pursuing for damages that I could be entitled to under the fcra. I've been looking hard into this using the CFPB 's resources and reading up on the law and I'm more than sure I am correct. I am sending this via mail to Credit Acceptance as well and now copy the NJ state attorney general. This account continues to damage my character unfairly and I need resolve

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 2024-02-05
Company: Amsher Collection Services, Inc.
State: AR
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715, 719, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: MOHELA
State: SC
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:
My PSLF has not been calculated correctly. It is showing as XXXX when I have had time in forbearance and previous payments. Im just trying to get ahead and continue to be knocked down. They also havent factored in my wifes XXXX plan with mine and are impossible to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a validation letter with proof of my signature and company failed to comply. 
Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2024, I attempted to make a payment on Freedom Mortgages website. The first appeared to not go through ; it returned me to the payment confirmation page rather than giving me confirmation of the payment. So, I authorized another payment, at which point I got two emails with two separate confirmation numbers for payments of {$2500.00}. I dont have funds enough to part with that much money this month, so I called their customer service number a few times that day to ask them to cancel one of them, and ensure that I wouldnt be making two payments on the same day. They did assure me that this wouldnt happen. Today, I discovered that on the XXXX of XX/XX/2024, XXXX separate and equal payments were processed and posted, and my checking account is at {$0.00}. Now, after confirming with Freedom Mortgage and my bank that two separate payments cleared ; theyre going to refund one of those payments, but itll be at least a week and I have {$0.00} to provide for my family.

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 2024-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells Fargo Deal Services is in violation of the Federal Reserve Act Section 2. It states that the application for Federal Notes the collateral security can ONLY be drafts, bills of exchange, notes, etc with that being said why did Wells Fargo dealer Service require me to make me sign over security interest to my real property while my actual application is what is being used. This financial asset that Wells Fargo Dealer Services took position of is my registered security in which I went in and trusted Wells Fargo Dealer Services to do the right thing they have not. Not only have they repossessed my car and FORCED me to pay in XXXX notes to retrieve it back bit they also have deposited this note so that the interest pays out over time in a pool of other notes together. By these very acts that makes me an investor entitled to equitable relief which would settle the alleged debt. 
XXXX. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.

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 2024-02-02
Company: Experian Information Solutions Inc.
State: MO
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:
STILL WORKING ON STALLING IS THE ONLY THING THIS FRAUDULENT COMPANY IS WORKING ON because it's all they do AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-01
Company: MOHELA
State: NY
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 student loan has met the terms for forgiveness. MOHELA first said I needed to complete a new employment certification. I submitted it and was told it would take 30 days to review. It has now been over 90 days and they are now claiming my employment certification is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: MOHELA
State: WA
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 applied for the XXXX repayment plan when it was released by the XXXX administration. I have 3 XXXX  applications still in pending status and my loans have moved back into repayment. I contacted Mohela on XX/XX/XXXX and spoke with XXXX who indicated she could see my XXXX application was submitted but has not yet been processed. She offered a one month forbearance on the payment through XX/XX/XXXX to allow Mohela time to process the XXXX application. She indicated I will accrue interest in the forbearance and that I am not eligible for any benefits of the repayment plan during the forbearance. I received another notification yesterday indicating there are significant delays and my request was received and will be addressed in the next 90 days. My forbearance was only offered for XXXX month. They have not processed my initial SAVE application that was submitted in efforts to reduce my monthly payment prior to this forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a case with you in XXXX. Citibank is indicating because a chip and pin was used for a ATM advance, I am responsible for a {$480.00} which I did not receive funds. I did attempt the ATM machine in the hotel ; however, it didn't dispense and was inoperable. The charge in question was XX/XX/XXXX, and I departed Arizona on XX/XX/XXXX. I have proof that I was in Maryland the afternoon of XX/XX/XXXX and the rest of that month. Citibank sent you a notice indicating that they would look into it, and an investigator phoned me which is when you CLOSED the case. I asked them to inquire with the ATM company to verify the machine was inoperable during my stay. Now the amount is showing due on my account once again, no one has contacted me since, and I am now opening another case in order to get this sorted out. 

Please do not close my case until this is resolved.

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 2023-12-31
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
When student loan payments were going back into effect, I went to StudenAid.gov to view my options. They estimated consolidating my loans and participating in the SAVE program would be the cheapest and most effective repayment plan for me. Therefore, I opted to consolidate my loans and go with the SAVE program. After this step was completed, all of my loans where transferred to Mohela. They are now indicating I am to pay approximately $ XXXX, which is not affordable. They are also expecting me to make payments for the next 30 years even though I have been making payments for 6 years already. This is putting my total payments at {$130000.00}, my current balance is only {$70000.00}! I understand how interest works, but this is practically doubling what I currently owe. This is extremely frustrating, especially considering I have already paid off almost half of my initial loan borrowing. I called Mohela in attempt to resolve this problem. To my calculation, even with interest, it would be a lower monthly payment and a lower overall repayment to switch to a standard 10 year repayment plan ( even if that means I sacrifice PSLF ). I was told since I consolidated my loans, I am no longer eligible for a standard 10 year repayment plan, and my only options were to participate in a 30 year repayment plan, which significantly increases my monthly and my total overall payments. According to information about the SAVE plan on StudentAid.gov, " The maximum repayment period is capped at 20 years for those with only XXXX loans and 25 years for those with any XXXX school loans. '' 30 years is beyond the maximum repayment period. They are requiring me to make payments beyond the maximum repayment period. I am now stuck with an unreasonable monthly ( and total ) repayment plan that is as lengthy as a mortgage. During the transitional time of having my loans bought out by Mohela, there was a significant period of time where previous loan servicers and StudentAid.gov reported I had a balance of {$0.00}. It was also reported to all major credit bureaus that my loans had been paid off and the accounts were closed. It wasn't until a significant period of time later that I was finally contacted by Mohela about repayment. I feel extremely mislead about the status of my student loans, especially since the credit reporting is a major change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
The XXXX major credit agencies are not reporting my lawful and valid consumer of recently and currently discovered item ( XXXX ) with probable deception that is not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting statuses as stated when reported. Furthermore, this declaration is my consumer 's rightful demand for an adequate investigation/reinvestigation into every part of any delinquency and or demeaning data charged of me to ensure the adequacy of lawful reporting! I understand that the reporting industry has intentionally developed a XXXX for better ensuring certifiably compliant reporting practices, processes, and procedures are followed so that the maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!

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 2024-01-31
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was scammed by a text message from XXXX which included my address, credit card number and date of birth. I checked my credit report to see if any false charges were filed. There were none but I saw an account that went to collections that I had no idea existed.

The collection company was Sunrise Credit Service for XXXX XXXX from XX/XX/year> for {$2500.00}. As I am undergoing a mortgage approval I settled the account for {$2100.00} with Sunrise. I had not known this account from XXXX XXXX existed.

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 2024-01-26
Company: U.S. BANCORP
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I challenged US Banks Financial Institution on the erroneous inaccuracy that was reported to XXXX XXXX after a long intensive investigation XXXXXXXX XXXX removed the account off my consumer report on XX/XX/XXXX. Unfortunately when I try contacting US Bank Corp they refuse to be compliant with removing this account out of their system, even after I have supplied them proof of removal with documentation to prove it was removed off XXXX XXXX due to the inaccuracy and still they continue to be non compliant with my request. On XX/XX/XXXX I went inside the branch and tried to get assistance with a manager however it was still a discrepancy between the back office and the account was still showing up unfortunately this has caused chaos and is a clear violation of my consumer rights!

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 2024-01-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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:
I have notified XXXX continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : XXXX- {$450.00} XXXX- {$690.00} Fair Collections & O {$1100.00} Fair Collections & O {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with things that are fraudulent - XXXX Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit - XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service PS FORM 3811 -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the XXXX Fraud Specialist suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the 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 2024-02-03
Company: Experian Information Solutions Inc.
State: NJ
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )

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 2024-01-23
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
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:
Account Information : Creditor : CARHOP FINANACE, UNIVERSAL ACCEPTANCE CORPORATION ( CO ) Date of First DelinquencyXXXX Amount : {$7600.00} I am aware that under Section 1681e of the ( FCRA ), every consumer reporting agency is.

obligated to maintain reasonable procedures designed to avoid violations of Section 1681c. And to limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Reasons for Dispute : The reported collection account is closed, and I believe it should be updated to reflect its closed status accurately. 
I request verification and validation of the debt, as allowed under the ( FCRA ), including details on the original creditor and the amount owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation