BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: MOHELA
State: MD
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:
Prior to my loans, being with Mohela, they were with XXXX XXXX. I was informed by XXXX XXXX by several representatives, that once my loans were transferred to MOHELA I could request and in school deferment waiver, as well as a request to waive my six-month grace period to have my loans placed back in in school status. I was in the process of completing my XXXX XXXX and was very concerned that if I continued to go to school and start my XXXX XXXX, my lungs were not placed in in school status and therefore were not qualify under the special waiver period that President Biden put forth. I was assured that I would be fine, and as soon as I transfer my lunch to MOHELA, they would be able to accommodate us. After being with Mohela for several months, I finally spoke to a supervisor who advised me that this information that I was provided was not accurate and I could not place my loans in in school status, nor can I wave my six-month grace period. Because I was XXXX XXXX XXXX If I was if I was provided the correct information, I wouldve stopped going to school after I completed my XXXX XXXX in XX/XX/2022 to allow my payments to go into in payment status so that way these lines could apply to my PSLF. I have written to the White House about this several times, and they forward my concern over to Mohela. MOHELA then responds generically and does not resolve my concern. They are not able to review my calls from XXXX XXXX where I was provided inaccurate information. 

My biggest concern now with mohela is that theyve advised me three times now since the beginning of 2022 that I could request to be placed in an in-school deferment I have requested it three times however still to this day loan sequence one through 10 is not reflecting appropriately. As a result, even though I work for a XXXX XXXX, the past two months is not being counted towards loan sequence one through 10 because of this. I called in again where a supervisor stated that he did not see the request and asked me to send it in for a 4th time! I have mailed it 3 times as well as requested it over the phone. This doesnt make any sense. 

I am exhausted and every time I call Mohela I usually get a person who provides an accurate information as well and Ive wasted two hours of my time and feel defeated. I need help. I know that I can not be the only person going through this and I am tired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, our client made a payment of {$2100.00} towards the total cost of her projects needing done in her home. These projects are to be done in a short time period because she has to have an inspection to sell their home. Funds are supposed to be available immediately but they were not for this transaction. I was notified that there was a review and it would be a day or two until it's available. The next day, it's still not available ....

So I message Square through the help section. They tell me there is nothing they can do and I'll have to wait. I INFORM THEM THAT AFTER THIS TRANSACTION, ID LIKE TO CLOSE MY ACCOUNT DUE TO US LOOSING CLIENTS BECAUSE OF THIS. Keep in mind, we are on a timeline and this is wasting precious time. This money included the funds to purchase material for her jobs. Right as the funds should be made available ..... I get a message about possible fraudulent activity and they are holding the money yet another 2 days. Next day comes ...... I decide to call them. The gentleman was helpful. He reached out to the higher ups and then told me it would be available today XXXX XXXX. I'm still sitting here impatiently waiting. So I call AGAIN. Because at this time, we are about to loose ANOTHER client. Long story short ..... He tells me that it will be ANOTHER 1-2 business days for them to complete the review. In the review they asked questions like " have you met this person '', seriously?? She input the info from the link I sent to them from SQUARE. MULTIPLE TIMES I HAVE TRIED TO HANDLE THIS With THEM. NO RESULTS, JUST LIES, FALSE FACTS AND I TRULY FEEL THEY ARE MESSING WITH ME BECAUSE I SAID I WANT TO CLOSE THE ACCOUNT. I Need MY CLIENT MONEY. NOW. NOT ANOTHER EXCUSE AS YO WHY YOUR HOLDING IT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TN
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:
On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/2018 I had a telephone conversation with a representative from USAA savings bank concerning an XXXX XXXX card to inquire as to why they dropped my credit limit from XXXX to XXXX having never been late on payments and having just the previous month paid the account in full. The woman with whom I spoke couldn't have cared less about my concerns and was rude. The next day USAA reports to all 3 credit bureaus that the balance is now nearly {$4000.00} 150 % over my new limit. My balance is XXXX. I called them to ask them what was going on with my account and was told that the credit bureau must have been hacked. I said ALL THREE?! I filed disputes with them and the 3 reporting bureaus. I also filed a complaint with the CFPB as I believe that this was done out of malice. Their response to you was full of lies. They said XXXX XXXX had attempted to contact me, which he did, with one message in the mobile app. I returned his call and left messages and sent him messages on the secure app. He ignored all of them. Today I get a call from someone who states that they are going to investigate. The problem!!?? WHAT?! Their response to the CFPB was that they have corrected the mistake. They are just starting? I wish to press this issue until it is resolved, I would request that the CFPB NOT close this complaint until it is. I also request that your agency investigate the matter as I do not feel it was in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On my credit report a public record labeled " XXXX XXXX CT TN XXXX '' is allegedly being reported from the XXXX XXXX XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the XXXX XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.

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 2021-06-06
Company: EQUIFAX, INC.
State: MD
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:
XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX , XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NC
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 do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

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 I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Citi Access Account ( Checking ) XXXX in XX/XX/2023. My Initial Account Funding was completed via XXXX XXXX XXXX ( {$100.00} ). I enrolled in Online Banking access, which appeared fully functional, and began using the account as any Checking customer would expect. To confirm functionality, I successfully initiated External / XXXX Pull transfers from each of my existing banks : XXXX ( {$40.00} ), XXXX XXXX ( {$30.00} ), and XXXX XXXX  ( {$20.00} ). All XXXX of these transfers ( XXXX Debit, XXXXXXXX XXXX ) have completed, {$190.00} in total. That money now resides in a Citi Checking account which Citi has since restricted access to. I've spent hours on the phone with several agents and supervisors, who maintain that the phone number I provided ( ending in XXXX ) isn't " registered '' to me, and that I would need a landline for verification. I haven't owned a landline in my entire life, and no other business or bank has ever made such a request.. absurd. I have been lied to, hung up on, and shouted down by Citi employees, and I've barely begun any functional business relationship with them.. this is absolutely unacceptable and insane. I want my Checking account access unrestricted and restored. The account was working just fine when Citi decided to take {$190.00} with it... I want my access to my money back. I have proactively offered every form of verification I have multiple times, I'll make the same offer again here. Citi can not indefinitely freeze my Checking account and effectively keep my money, that constitutes theft. Let 's get this resolved and salvage some semblance of a working professional banking relationship? Thank You In Advance! -- 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 2021-06-06
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Spoke to a counselor at XXXX XXXX and they suggested that I can put any missed payments on the back end of the mortgage. The mortgage company will not allow that they won't put the Miss payments in the back end they're asking for the full amount of Miss payments for the past 12 months up front. The XXXX XXXX representative said that they should allow this and to find out why and if not to schedule a conference call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: OH
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:
EXPERIAN : continues to show XXXX accounts as " POTENTIALLY NEGATIVE '' when they are reflected as closed and/or paid in full! There is also an extra social security number that shows up on this report. I have never had more than one! 

XXXX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXX XXXX XXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX XXXXXXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an XXXX XXXX  XXXX never hear of them either. 

XXXX : I have had to file many disputes with the credit agencies down through the years for listing alias names ( XXXX XXXX ), addresses to places where I have never lived ( XXXX XXXX and XXXX and a XXXX ). 

I'm afraid that the credit report of someone else has been mixed up with mine and I am just now seeing it for what it is. I have contacted many of these creditors ( XXXXXXXX XXXX XXXXXXXX & XXXX ) they have nothing in their records for me... ..Things like this go against the FAIR CREDIT REPORTING ACT and is illegal. Please help?

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 2023-06-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
After reading there ( Privacy Notice ) .I never gave Credit Acceptance permission to report late payments only list credit acceptance for marketing Purpose for business growth. I have been violated of the law. Under 15 USC 1681b - permissible purpose of consumer reports, I have call them multiple times to fix the problem but I was told by XXXX XXXX that 15 usc and consumer law doesnt apply with them do to the state they are based out of.. The account I have with them are closed and paid by me. I was never late because I sign up for Direct deposit.. I sent letters and they keep getting ignored by them

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 2021-10-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX about a collection that they claim I owe them .. To the best of my knowledge I am unaware of this debt and I asked in my letter that I mailed to them certified XX/XX/2021 and i asked repeatedly in my letter for a request for validation and instead of honoring my request this company reported this unknown and unverified debt to the credit bureaus ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
ON XX/XX/XXXX MONEY WAS PAID TO ME THRU SQUARE ACCT. 
MONEY WAS SENT TO MY XXXX  ACCT. I FORGOT I HAD CLOSED THAT ACCT AND SO XXXX RETURNED TO SQUARE ON XXXX XXXX TRACING NUMBER XXXX ... THEY TOLD ME MONEY SHOULD BE ATSQUARE ON TUES THE XXXX -- -- IT WAS NOT ... AFTER MANY CALLS AND EMAILS TO THEM THEY SAID IT WAS STILL WITH XXXX  ... REPEATLEY I TOLD THEM I HAD TRACING NUMBER THEY NEEDED -- -THEIR RESPOND WAS THEY NEEDED PERSON I HAD TALKED TO WHICH IS A CUSTOMER SERVICE PERSON WHOM PROVIDED ACH  NUMBER... SQUARE SAID I WOLD HAVE MY MONEY BACK IN 1-3 DAYS -- ITS BEEN FOUR DAYS NOW AND STILL MONEY AND NO RESPOND I DONTUNDERSTAND HOW MONEY CAN BE TRANSFERED IMMEDIATELY AND THEN IT TAKES DAYS TO GET IT BACK.. I FEEL THEY HAVE MILLIONS OF DOLLARS THAT THEY FLOAT DO USE IT FOR THEIR PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Marlette Funding, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid XXXX by check to Best Egg Card Services. My bank mailed the check to their office. The check was cashed and never applied to my account. 

The following was their response : Thank you for contacting Best Egg. In looking at the attached, it appears your check was cashed by XXXX, and not received by Best Egg. You may want to reach out to them as to the status of your funds. If you have any questions or concerns regarding this matter, please contact us at ( XXXX ) XXXX. 

This is what I wrote back : I don't understand. I mailed it to this address last month and it was applied to my account no problem. Is this not your mailing address? If someone else got a hold of my check at your address then don't you need to do sue diligence and figure out who is taking checks from your business and where they are going? Please help me understand as your answer is very vague. 

This was their response : I am reaching out to our payment processor to identify how the check was cashed by XXXX but intended for Best Egg. Once the research is completed, and we are provided the funds we will back date the application. We will be in touch shortly. 

I have not heard back despite my best efforts and have yet to be credited almost two months later. Someone stole my check from the office and cashed it. I want a credit as the error and issue is on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citibank has also refused to close my checking account number ending in XXXX which I cancelled and was given a verbal confirmation on Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 01 attached ). In addition, they continue to debit my account for charge-backs ( totaling {$1200.00} ) associated with a company called XXXX , XXXX., although their representatives have stated on Friday XX/XX/2019 ( XXXX ), at approximately XXXX XXXX ( EST, see exhibit 02 attached ), Thursday XX/XX/2019 ( XXXX, # XXXX, at approximately XXXX XXXX ( EST, see exhibit 03 attached ), Thursday XX/XX/2019, and Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 04 attached ), that that merchant was blocked from removing funds from my account per my multiple request. In addition, I received a written confirmation from XXXX that my account with them was deactivated ( per my previous online request ) on Friday XX/XX/2019 ( see exhibit 05 attached ). This account is still open and accruing fees as we speak.

I am currently ( and have been for a week ) not even able to review my account information online as I am seeing a progression icon after logging in ( see exhibit 06 attached ).

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