BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: MOHELA
State: MN
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 new servicer ( MOHELA ) sent me what my payment will be and the amount is inaccurate as it did not take into account my wifes student loan payments. Since my wife and I file married jointly, they are supposed to take a weighted average between our payments and the combined should be what they are saying we owe individually. Our loans used to be with XXXX XXXX as I am working towards XXXX. When I called my servicer, I was on hold for more than XXXX minutes and the representative could only say they are using my AGI from 2020 tax year to calculate my payments. I used to be on the REPAYE plan and now I was moved to the SAVE plan. The representative said they will submit a request for it to be recalculated but no promises. She also told me to reapply for the SAVE program and recertify my income in order to fix the problem. And although this may fix the problem, I am not required to do income recertification until next spring. Its in my favor financially to not do recertification until Im required to do so. In addition, the representative said they do not have any files or documentation in my account. Im assuming XXXX may have failed to share my last income verification and IDR application, however this isnt, or at least shouldnt be my fault or my issue to manage. Its incumbent upon MOHELA to get what they need to do their scope of work from XXXX correctly. I have opened a case with the Department of Education. So far, ( after more than a week ) I havent heard anything from either organization. Keep in mind that MOHELA said 2 days I will get a response and the department of education said two weeks. The other issue is I have sent numerous electronic messages to MOHELA asking for information and in the rare instance I get a reply, it doesnt answer my questions. I usually just dont get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Credimatico LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I am writing to dispute a charge of {$130.00} to my account on XX/XX/2023, XX/XX/2023, and XX/XX/2023. The charge is in error because I have revoked authorization with the company numerous times. I have attached the emails where I have done so as well. 

I originally took out a {$400.00} loan with them and then ended up in some financial hardship, which I also informed them of. I explained to them that I am working with XXXX XXXX ( XXXX ) to settle debts due to the financial crisis we are currently experiencing as youve seen in our account. 

They have not responded to any of my emails, phone calls, or website Contact Us submissions. They have pre-generated responses that get sent with ticket numbers but are never responded to. Whenever I have called them either I get a XXXX automated message stated the call can not be completed as dialed or I get mariachi music with a XXXX  speaking individual referencing a completely different company. There is no way for me to contact this company at this point. I have tried every route they have. 


Enclosed are copies of the revoke requests supporting my position and experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I appreciate your response via the CFPB XXXX, but you continue to disregard my request. I have identified four violations in your response. I am not disputing the ownership of the account ; rather, I am challenging the unfair charges from the original creditor. I also require additional clarity regarding the contract agreement and the Chain of Title associated with this account, as well as access to all related documents and financial records. I seek a precise understanding of the owed amount based on journal and ledger entries since the account 's inception. I believe I have been subjected to retaliation, as evidenced by fluctuations in my credit score during my credit dispute with Midland Credit Management Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, and Equifax are all furnishing inaccurate information regarding an XXXX XXXX account. I have highlighted all XXXX inaccuracies in a PDF sent with this compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit tricked me into paying a debt that had been settled in full by another collection agency, XXXX. I have all documentation that I would like to attach. I was originally defrauded into a contract with XXXX and they actually owe me {$480.00}. I complained to XXXX and they did nothing. They seemed more concerned with their subcontractor, XXXX XXXX, adding a service onto my account without my permission. 

I paid {$240.00} to Southwest Credit through their website on XX/XX/2021 because they tricked me into paying something that had already been settled. 

Furthermore, they sent me a letter dated XX/XX/2021 saying that I had authorized 3 more payments of {$240.00}. I did not. They said that the payments would be charged on XX/XX/XXXX and I needed 3 business days to " revoke my authorization. '' Since I this account was settled with XXXX, I would like my {$240.00} back and want to make sure that this type of inappropriate and probably illegal behavior be ceased at once. I do not want them to have access to my bank account. XXXX, my bank, told me that they would do nothing to reverse the charge and I would have to resolve it with Southwest Credit, which I tried several times today, Saturday, XX/XX/2021. 

I would you to take legal action against Southwest Credit in case others are being told that they owe money on accounts that have been settled by another agency or the original vendor. I would like you to also take action against XXXX to weed out and fire all sub-contractors that commit fraud. They have the 18 minute call recorded where this XXXX XXXX was doing everything possible to make sure that I didn't hear the details of the contract I was getting into in the first place. 

And mostly, I want my {$240.00} back from Southwest Credit and suggest you fully investigate this behavior. As I mentioned, I have a lot of documentation that I would like to add to this complaint in the way of file attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal information is incorrect.

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 2023-02-10
Company: BANCO POPULAR DE PUERTO RICO
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had opened two accounts with Popular Direct- {$50000.00} 2 year CD and Savings Account with {$5000.00}. Accounts were both opened normally without any issues in early XXXX. On XX/XX/XXXX, I asked about linking additional bank accounts to my savings account and I was informed that I could only link one account. Well, I had two already linked because each account was opened with money from a different bank. 

On XX/XX/XXXX, I asked for complete account number for my savings account and I was informed that they would not give me the number because they were closing my account. No reason was given. 

I was able to still access my accounts on XX/XX/XXXX, but on XX/XX/XXXX my access was blocked. No reason has been given. No formal communication has come from the bank - even though it has been requested three times now. 

I have no guarantees as to if I will get my money back. Customer Service says my accounts will be closed on XX/XX/XXXX - 10 days from now. And it will take another 3-5 business days from me to get my money. 

Customer Services response is that they can file a complaint. Thats it. 

How did they get a license to do business? 

And how do I get my {$55000.00} from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my XXXX XXXX and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX  2020-XXXX  2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
Checking my inquires on my credit report I see a hard inquiry that I do not recognize from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' on XX/XX/2023. I didn't request for any auto loans, I need this removed as soon as possible.

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 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Ive had a Capital One savings account since XXXX. It started at 2 % and went down over the years as interest rates went down. As rates have gone up they havent raised the rates on current accounts. Online theyre offering 3 % on new savings accounts ( not a teaser rate, that is just the rate ). My account is earning .8 %. I called them to ask why I cant get the 3 % that is advertised and they told me I could get it, but I had to open a new savings account. Thats a lot of work on the consumers end to get a fair interest rate. 
This is typically true with all banks ( I was in banking for 14 years ). When rates go down banks drop what they pay on deposits immediately. When rates go up however, banks create a new name for the same type of account and offer a significant higher interest rate on the new account than they offer their exhausting customers. Its a rip off. Banks are ripping off their current deposit customers and making a ton of money off of it by betting the average consumer wont notice, thus basically providing the banks free deposits and more profit as rates go up. 
I know the CFPB is super focused on unauthorized account openings and various other items, but this needs to be addressed as well. We are in a rising rate environment and banks love taking advantage of people when that happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: AK
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:
We were on a cares act COVID19 forebearance. When it came time to go into repayment, XXXX XXXX mistakenly ( purposefully? ) put our loan into foreclosure status and processed a traditional loan modification which should have never been the case, as we were eligible from the beginning for a COVID19 repayment modification which just tacks on the missed payments to the end of the loan. This action significantly negatively impacted my credit report. I was also forced to provide several personal documents to the mortgage company including my bank statements, paychecks, and a complete hardship explanation which I believe is illegal for them to ask for. We repeatedly received threatening statements that we were due to pay the entire balance of the forbearance payments by XXXX which should have NEVER been the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Westlake Services, LLC
State: TN
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:
The car I financed through Westlake was totaled and paid off by my insurance company. My payoff was less than the value of the car so Westlake received $ XXXX excess payment which was supposed to be sent to me within 21 days of receiving the payoff. They received the payoff on XX/XX/2020. It has been 35 days and Westlake has not issued this payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00}XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/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 2023-01-27
Company: Experian Information Solutions Inc.
State: TN
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 disputed these accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report because every single account has inaccuracies. I disputed them YESTERDAY and TODAY the come back updated and verified???!! NO INVESTIGATION HAS BEEN DONE. Delete these accounts from my profile!

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 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid 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:
I ordered from XXXX XXXX a WIFI internet connection. XXXX  came out and installed the equipment from XXXX. I subsequently received a charge on my Capital One credit card from XXXX. CapitalOne hd to give XXXX the information to charge my credit card. The Hughes.net equipment was slow and didn't always work correctly. I contacted XXXX and was told I had a 4 year contract and I couldn't cancel it. I explained I had no such contract and I am cancelling this service. XXXX sent return packaging and I returned the equipment at their expense. I was told there was a {$400.00} cancellation charge. I told XXXX I had no contract and they should contact Capital One. I paid 2 months charges on the credit card. I did not have the service for 2 months. 
I am enclosing letters to both parties explaining what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: LA
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 XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance - Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-06-17
Company: ARS National Services, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ARS National Services , Inc.  keeps contacting me even though I have asked them not to do so by writing them and including this statement : " I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no attachable income ; essentially I have no money and can prove it. In accordance with the Fair Debt Collection Practices Act,  15 USC 1692c, 805 (  c ) : ( c ) CEASING COMMUNICATION. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' They still persist. Latest contact from them was dated   XXXX   XXXX   XXXX    .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicing company Fay Servicing misappropriated escrow funds, failed to pay insurance policies, purchased unnecessary lender policies despite having sufficient coverage, placed loan in foreclosure even though principal and interest was current, and charged unauthorized fees costing us over {$20000.00} when refinancing the loan. XXXX repeatedly ignored our attorneys requests for information. Please see attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: WI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation