BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am trying to make arrangements to get a affordable payment plan with Select Portfolio Services. But refuse to do so. The debt was discharged XX/XX/XXXX. 
Select Portfolio have it and XXXX XXXX XXXX. Select is refusing to work with me. Yes, I had a hardship plan with them around XXXX. And I was still in harder hardship, couldn't pay my payments. I want to make some kind of arrangement instead of filing bankruptcy. 
My account number on the select Portfolio is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom it may Concern, Two accounts are reporting information that isnt 100 % accurate but have been marked as verified. Please remove these accounts based on inaccurate information 15 U.S. Code 1681i Sec 5. 

Account Number Company Name XXXX XXXX XXXX XXXX Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: IL
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 am trying to refinance my house. I have a credit freeze. Experian has inaccurate information about me ; I believe it may be they are using a previous address as my current one. This happened before and I submitted documentation to get corrected. Now years later I am still having problems. I have tried to call, but get caught in a computer circle from XXXX and can not reach a live person to understand how to get this corrected. THEY XXXX IT UP AND NOW I CAN NOT GET MY HOUSE REFINANCED. I can not get it corrected because I have no idea what is wrong. I have requested a credit report, but again, when I fill out the form it doesn't match their incorrect info and I can not get a copy -- - I DONT KNOW WHAT IS INACCURATE

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 2019-09-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have credit freeze with all 3 agencies for fraud protection. Experian is the only one that is a problem. Impossible to reset pin, no recourse to supervisor and had to pay {$20.00} to get a new pin. 

From XX/XX/XXXX-XX/XX/XXXX I spent over 5 hours trying to temporarily remove a credit freeze. I did not have the pin they sent. I called the phone number over 15 times and it was impossible to speak with a person. After the prompts and automated responses I was disconnected. I tried resetting my Pin via their websites, on my phone and via the app. I posted my problem on social media via XXXX and a XXXX - only received a response via XXXX with to call the same number and incorrect instructions to reach a human. Sent another message via XXXX so stating - and said I am an attorney and this process is illegal - no response. Called multiple times and reached a human who, after asking me to reveal multiple security answers said they couldn't reset my pin. Asked to speak with a supervisor and was placed on hold for so long I hung up. Called again multiple times to try to reset pin - entered and provided security answers and received automated response stating I could not reset my pin and would have to mail copy of govt issued ID, two copies of mail showing my current address and a host of other information and then wait 7-10 days for a  new pin. Called yet again, somehow reached a person and asked for a supervisor - waited for 5.minutes. After being told I had to pay {$20.00} to get my pin XXXX - more than the cost of the XXXX I pointed out - asked to speak with that person 's manager - HE REFUSED AND SAID THERE WAS NO ONE ABOVE HIM. He then demanded - notwithstanding answering every security question - a copy of my current driver 's license, which took 5 times to reenter info and upload it into their system - system booted me out for time delays. He refused to waive the fee. After 40 minutes on the phone paid it.

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 2023-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ). 
I have already reported this to the XXXX credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX Equifax XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXX 
Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Mandarich Law Group, LLP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They furnished a report without my permission, which is a violation pursuant to 15 usc 1681b ( 2 ). They furnished a report without my permission. They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the power to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I can deem what is private to me. They also said I defaulted on a judgement when pursuant to 15 usc 1692g ( c ) nobody is allowed to say I owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX is trying repo my XXXX XXXX XXXX XXXX. XXXX. So XXXX XXXX made the orig. Loan w/me on XX/XX/XXXX and that max amount is {$7600.00}. So all payments were made by me and they declare this are 25 payments begin on XX/XX/XXXX to XX/XX/XXXX, I added are of total {$7600.00}. Now they some one else named XXXX telling me they will not release my auto title until I pay the whole principal loan back or else interest keeps rising. So they are demanding I pay them $ {$2100.00} or else they are going to claim I defaulted on this loan, then steal my car. At gunpoint with XXXX  Sheriffs. So this is a crime under penal code 484 and felony crime under Penal Code 487. They got XXXX and have someone telling me his XXXX gang members will kill me if I say anything He idenifies himself as XXXX. I ask him for last name tonight he said XXXX and refused to supply his last name. So I asked where is XXXX XXXX? He replied he didn't know. XXXX in XXXX XXXX should be charged with felony attempted theft and felony attempted car theft, and spend prison time. I've kept this really running good and spent hundreds to keep thisvcar in good shape. If I recieve no reply and XXXX  show up and steal my transportation I swear to XXXX XXXX California and their officials and officers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: ACIMA CREDIT, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a much-needed dining room set at XXXX XXXX store XX/XX/XXXX and since it was about {$610.00} total, I felt {$58.00} deducted twice a month from my bank account by XXXX was feasible. When I phoned acimia on XX/XX/XXXX a rep said that the balance was {$190.00} early payoff. I asked what the amount would be if I paid after the due date and he stated it would be the same. So, after I received my paycheck and was ready to pay off the balance of {$200.00}, I phoned on the evening of XX/XX/XXXX and the recording said I owed {$570.00}!! I phoned the next morning to speak with a rep and wanted to know why they hadn't bothered to send me some type of reminder and he claimed they don't do that! When I phoned again later that day demanding to speak with a manager, the so-called employee calling himself XXXX dared to claim it was my responsibility to remember! The next employee calling himself XXXX blatantly lied claiming they had sent a reminder to me via email and he correctly recited my email address during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: MOHELA
State: MD
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 has given me the runaround on the XXXX program. I contacted them at least a year and a half ago to see what my eligibility was when XXXX XXXX opened up the program and they began processing my student loans. Having worked at a XXXX XXXX non-profit since XXXX, I qualified for the program and in XX/XX/XXXX they verified XXXX out of XXXX qualifying payments. 

The tally sat at XXXX for months despite qualifying payments racking up on the Mohela website, lacking only certification of my employment. At that point, I followed up and was told it just took time to process. 

After not seeing any progress or hearing any updates from them, I called back again to check on it and this time was told I needed to resubmit the paperwork to verify that my employment hadn't changed. Despite the inconvenience in having to go back to my supervisor to get her signature again, I did so and uploaded the signed form to their website. 

It's now been XXXX months since I resubmitted the paperwork, but they started sending me notifications that I needed to start paying my student loans again, all of which should be completely forgiven. I called again to see why my employment still hadn't been certified and was told it was because they couldn't accept a digital signature from my employer, which they never bothered to relay after I submitted it. So now I'm forced to go back to my employer yet again to either have her physically sign a document that will hopefully be accepted or sign up for the XXXX help tool so it can be done digitally. 

These unnecessary obstacles seemed designed to wear down borrowers, making people so tired of jumping through hoops that they simply give up and make payments they don't need to make out of sheer exhaustion and fear of being dinged on their credit. It's unacceptable, unscrupulous, and I believe intentional. It should be simple to verify the place of employment for those with student loans. 

Rather than getting relief from inherently predatory loans designed to keep people shackled to them for decades, I and many others in the same boat have simply been rerouted to what appears to be another predatory lender. Instead of acting in good faith to carry out what the current administration required, Mohela has opted to use shady business practices to wait until student loan payments resumed in hopes they could siphon more money out of borrowers ' pockets. 

If Mohela is unwilling or unable to comply with the edict to give borrowers the prescribed relief, perhaps they shouldn't be in the student loan business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX XXXX, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.

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 2022-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up my account and then deposit a cashiers check over the mobile deposit and it didnt work so I went into the branch and the manager at XXXX deposited it manually and then couple days later I got into an accident in my truck and I had a passenger and she took my purse and ran because I guess she had warrants and she stole the cashiers check in my purse and her boyfriend deposit it in the same bank through an ATM machine {$980.00} back in XX/XX/ and then after that every ATM withdrawal I took out using my pin two more withdraws would come out as a signature transaction every time after they took that money from my account and put it in the criminals account found out who did it put him in jail filed a police report filed 19 disputes contacted the FBI see the OCC and nobody will make them give me my cashiers check back even just a cashiers check not in addition to the {$4000.00} in withdraws that were messed up after that and it is pathetic there is no organization to even watch is what Bank Of America does I mean and Im XXXX and they kept my money for two years now 2 1/2 years and just never bother giving it back in their investigations guy he didnt even turn in the withdraws as an authorized I went to the business is where the withdraws were made and had them called her bank and they werent even turned in an authorized they were never investigated just didnt deny and nobody cares and a lot of it was because one of them was an at mobile deposit the other was a manual deposit and the other was ATM and the rest of them were ATM withdraws so they couldnt figure out how to file the dispute correctly so the investigator would understand what happened or even just bother giving my cashiers check back and nobody regulates what they do the FDIC in OCC all they did was have an arrogant guy from their investigation department call me and then a day later call me and tell me they close the claim and then they close my account after I just open that account and put it on my credit its crazy and its just criminal the fact that Bank Of America can just get away with that to a XXXX person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I was on IDR prior to my loan being transferred to MOHELA. I received an email from my prior servicer that there was no need to recertify and that my payment was approximately {$860.00} a month. 

After transferring to MOHELA they said I needed to pay about {$2000.00} a month which I can not afford. I tried to fill out an application to switch to another plan with lower payments on XX/XX/. They have still not processed it. They put only some of my loans on administrative forbearance and I still had to make monthly payments of about {$370.00} for two months then they put the remaining loans on forbearance and it was showing a {$0.00} payment due. Just now I checked and it is showing {$2000.00} due on XXXX. I can not afford this but I can not afford to miss a payment because I am only a few months done from PSLF. 

Anything you can do to either reinstate the forbearance or get them to process the RePAYE application would be appreciated. Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammers try to send you a paycheck for you to deposit, but the paycheck is a fraudulent one. so in your back, it will show up as + {$1000.00} and they will tell you to send it to their " XXXX '' so once you send {$1000.00}, your bank will find out that the paycheck is a fraud and you will be left with - {$1000.00}. In my case, i used an app to scan the number and it shows that so a good thing I never sent money but I did scan the paycheck, I am on the case to talk to my bank it is not real. They also sent my messages threatening if i don't send the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITIBANK NA., BEST B, on XX/XX/2019, XXXX XXXX-XXXX and on XX/XX/2019, XXXX  - XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-06-15
Company: LFG Data Services Holdings, LP
State: GA
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 would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation