BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: MOHELA
State: MA
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:
Mohela sent both my husband and I student loan billing statements indicating that our new payments under the SAVE plan would EACH be {$1000.00} per month. 

I knew this was not right because our student loan debts are not the same amount and my understanding is that when two spouses file taxes jointly and both have student loans, the payments are prorated based on the loan amounts each spouse owes ( as it was always under XXXX ). Further, our total payments were 2 to 3 times more than the payments we had made with XXXX prior to the pandemic. 

It appeared that Mohela recalculated our payments from REPAYE to SAVE but failed to account for the fact that each of us had a spouse who also had student loans. 

On XX/XX/XXXX I called Mohela to address this and it took me three hours and several attempts to get through to a representative. Using the call back feature failed because it would go directly into my voicemail when they called back. 

When I finally spoke to a rep, they had to transfer me to someone with more experience. The second rep I spoke to told me we would both have to recertify our income. She did not confirm or deny why my and my spouse 's payments were not correct to begin with. After recertifying both of our incomes using 2022 joint tax info our payments dropped from XXXX each to approximately {$550.00} and {$650.00}. Since my payment was due XXXX they also had me put my loan into forbearance for a month since they would not be able to process the correction in time. 

I am extremely concerned about this because : A. If I did not know as much as I do about student loan repayment I may have just started making the XXXX payments without questioning it, which is extremely unfair and deceptive to consumers. Especially since my husband and I are both expecting to be eligible to receive PSLF within the next 15 months. 

B : I am seeing several posts from other borrowers on XXXX who are also having the same issue and have no idea what is going on, why they owe more than on REPAYE, etc. How many borrowers are going to be making these incorrect payments, especially when no one can even get through to MOHELA easily? And these are just the borrowers who are using XXXX, I am sure it is impacting thousands of borrowers across the country. 

If MOHELA wanted to automatically recalculate payments from REPAYE to SAVE, they should have the information available to know to take into account spouses with student loans as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AL
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 with the fair credit reporting act : XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am XXXX XXXX for and by the State of California ( CA #  XXXX ) and am making this statement as a deposition : Today, on XX/XX/2019, I setup an XXXX XXXX payment with Toyota Financial Services ( TFS ) for Wednesday, XX/XX/2019 after telling TFS that I already sent in a payment via XXXX XXXX on XX/XX/2019 for {$330.00}. Also, I have setup another payment with TFS for {$330.00} on XX/XX/2019. In any case, I am tired of talking to people who sound like robots ( which they will probably be replaced with soon anyhow ) who do not really answer your questions and tell you, '' to have a nice day. '' My concern, even though I have a confirmation for bank draft next Wednesday, that TFS is still seems to be threatening me with repossession ( attitude ) ; especially after withdrawing their offer to rest my account to current two months ago ( by putting the two late payments on the end of the loan - my family never got the letter that TFS stated they mailed ). Now that TFS is in XXXX, Texas, they are free from Consumer-Friendly business practices and can essentially threaten and harass consumers as they see fit. Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, my transunion credit reporting was sent to my brother record and my record was not accessible anymore to me. I contacted Transunion dispute center and I was routed to XXXX call center and I handed my sensitive information such as my ssn, birth day and address. Once the agent from XXXX call center can't help with my acct, she transferred me over to XXXX call center. The XXXX call center requested all my sensitive information and told me that she will put my account to Maintenance mode, and wait for 5 days to get the status. 

On Sunday, XX/XX/XXXX, I have an alert from my credit monitoring stating that I have a new address and Public records for Bankruptcy and I have never filed any of that. So I click the dispute and I still can't access my own account with my SSN on transunion. So contacted them on Monday XX/XX/XXXX, same process, routed to XXXX and XXXX. I just found out that nobody did my account in maintenance mode. So I just given my sensitive info in some person in XXXX and XXXX. They told me there was no claim or filed on XX/XX/XXXX. 

As of today, XX/XX/XXXX, my account is still not available and its hurting my record and my job due to credit history is a requirement for my job. 

My major concern is my information was vulnerable already. Also, why transunion screwed my records and sent it to a different social number and terminated my account? this is why data is being hacked due to their lack of data information security. This is a concern. 

Thanks you, 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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: FL
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:
ID XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX OPTION 6 Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX MD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: FL
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:
After filing Indentity Theft with FTC as well as CFPB... I attempted to call Equifax at XXXX of there XXXX numbers XXXX. Asked for the Fraud Department and the woman who answered the phone, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I asked to be connected to " fraud dept ''. The customer service rep would only give me the name XXXX XXXX XXXX  with no employee number.XXXX XXXX advised that she was the " fraud dept ''. I advised I filed FTC report and CFPB and I wanted to call, with sense of urgency, regarding " Inquiries '' being reported on XXXX XXXX  XXXX stated she would need my social security card and another form of identification and she would be sending me documents to fill out ( police report ). I advised my rights according to 15 USC 16811 ( 3 ) ( c ) ( II ) that sufficient information may consist of a standardized form describing general nature of situation ; 15 USC 1681H ( a ) ( 1 ) I am ONLY required by law to provide proof of identity.. my driver 's license would do. XXXX was also in violation requesting that I fill out additional paperwork and it would take up to 5 days.. Nothing in the law requires me to provide additional documents other than what I already submitted prior. This stall tactic is a blatant disregard to our FEDERAL LAWS. 

XXXX was being very disruptive and when I clearly was getting nowhere fast, I asked I could speak with her supervisor. She stated, Well.. that will be hard because there are several. " I asked to speak to the one who is working over her today ( Friday XX/XX/XXXX at XXXX XXXX XXXX ) and she said she could not allow that and I advised her I was going to start recording the actual call and I had to inform her ; however, in the state of Florida, there's a fine line and you can record pretty much any phone call without notice ) XXXX began to get agitated and staying " I better don't ( she actually said that ) record her that they don't allow that and that they were a government branch '' I cut her off and said " What? '' Are you actually impersonating a branch of the Federal Govt? Are you kidding me.. now I am going to record you! '' The phone went dead... I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM

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 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX XXXX  {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX XXXX  {$71.00}, [ 5 ] XXXX XXXX  {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX XXXX XXXX {$140.00}, [ 8 ] XXXX XXXX XXXX XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ]  XXXX XXXX XXXX, [ 11 ] 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 2023-10-24
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX Account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Initial Mortgage processor = XXXX XXXX XXXX ( XXXX ) New processor = Mr. Cooper The nature of my complaint is related to the regulations around the selling and transfers of mortgage loans between processors and the affects this has on the consumer. Aside from only a two weeks notice before my mortgage payment was due ( letter received on XX/XX/XXXX and payment due on XX/XX/XXXX ) and the inability for either company to help me because it was " in the process of being transferred ( which took three weeks ) I was in a position where I had no choice in who I do business with based on the services they provide and how that fits in with my households ability to pay the mortgage. 

Budgets and cashflow revolve around the mortgage payment. After trying to work with Mr. Cooper to setup the same bi-weekly payment structure I had with XXXX I was informed Mr. Cooper doesn't offer that option and that I would have to go through a third party they contracted with ( XXXX XXXX  ). After working with XXXX I was told it will cost {$300.00} to setup and {$5.00} a month. This for a payments structure I did not have to pay for with XXXX. 

As a consumer who has the ability to choose who they want to do business with for every aspect of their lives, We lose that ability during a loan sell-off between processors and are at the mercy of whether the new processor offers the services that work with the consumers budget and cash flow for their household. 
The consumer is only left with the option of refinancing which comes at an even greater cost. Consumerism is lost during this type of transaction and can have negative affects due to the lack of choice that existed when one first obtained the mortgage. 

My goal is for this type of concern to be filed with the CFPB as documentation in case other issues with loan sell-offs happen to be increasing exposure related to the impact on consumers when loans are transferred which results in some type of additional regulation. For example, I would like to have a choice whether I want to work with the new company my current processor wants to sell to. If I was informed that XXXX is looking at selling my mortgage to Mr. Cooper I could investigate whether Mr. Cooper is the business I want to work with. Then I would be given a certain grace period to accept or decline. I had that chance when I obtained the loan as I do in every other product and service I use as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX : First complaint filed with CFPB Complaint Number XXXX ID FOR COMPLAINT SENT TO THE MONEY SOURCE INC . 
XXXX On XX/XX/XXXX, I refinanced my loan with XXXX with monthly payment as follows : Principal : {$340.00} Interest : {$410.00} Total : {$760.00} Paid {$800.00}. {$36.00} towards principal I was informed that The Money Source Inc. ( TMS ) would be the servicing company. 

The Money Source Inc. ( TMS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT  XXXX Tel : XXXX Email : XXXX And XXXX  gave me two loan numbers as follows : Second TMS Loan No. : XXXX XXXX XXXX First/Original TMS Loan No. XXXX XXXX XXXX XXXX  Account No : XXXX XXXX XXXX ( new servicing company ) TMS informed me that my first mortgage payment would start from XX/XX/XXXX. Since I could not set up an online payment ( due to technical problem of TMS website ), I sent a check for {$800.00} to TMS which received it. 

TMS was supposed to transfer this amount ( {$800.00} ) to XXXX ( new servicing company ). 

I called TMS a total of three times. At all those occasions, I was told that the {$800.00} which I remitted to it would be transferred to MrCooper.com, but it did not. 

On XX/XX/XXXX, XXXX XXXX of TMS called me back and said that {$800.00} was wire-transferred to XXXX on XX/XX/XXXX. Ref. No : XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with the Customer Service of XXXX which said that it did not receive {$800.00} from TMS.

I filed a complaint with CFPB, and TMS responded that it remitted {$800.00} to XXXX 

On XX/XX/XXXX, I called XXXX, my current mortgage servicing company and spoke with one XXXX XXXX. 

She said that on XX/XX/XXXX, XXXX wire transferred {$800.00} to XXXX, but on XX/XX/XXXX, the money was returned due to insufficient fund. 

Please see the attached statement by XXXX, showing the return of {$800.00} to TMS due to insufficient funds.

I would appreciate very much if you could ask TMS to refund me {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called TD Bank on XXXX to request a closeout of a checking account that was opened in my name. The representative asked for my information and stated that they would close account out. They recommended that I file a police report. police report filed on XXXX. There was a {$0.00} balance and my local police department filed a report telling me that NY State data was stolen and accounts were being opened to collect unemployment benefits under fraud accounts. I received another statement from TD Bank on XXXX stating that the fraud checking account was still open and they could not close the account because I have to visit a branch in person to close the account. The nearest branch is about XXXX miles away from my residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: CREDIGY USA CORP.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This all started in XXXX of XXXX. I had a XXXX XXXX credit card that was financially backed by XXXX. I could no longer pay due to unemployment and it went to bad debt. Eventually XXXX discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.

Company response to consumer: Closed with explanation