BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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:
I submitted my application for the Public Service Loan Forgiveness Temporary Waiver in XX/XX/XXXX. I obtained certification from both my employers for continuous PSLF and TEPSLF qualifying employment since XX/XX/XXXX. Under the waiver, I believe I now qualify for forgiveness. The first servicer XXXX acknowledged my application and notified me of missing information, which I supplied to them in XX/XX/XXXX, and never received any further information about processing of my loan. In XX/XX/XXXX, once the transition of the PSLF/TEPSLF servicing was transferred to MOHELA, I called to inquire about the status of my application and was told to wait until they reviewed my information. On XX/XX/XXXX, I checked the payment tracker and noticed that loan payments made between XX/XX/XXXX and XX/XX/XXXX were not reviewed or accounted for, and that some payments were listed as " no payment was due. '' When I called to inquire about this, I was advised that the employment certification forms sent to MOHELA from XXXX were truncated and difficult to read and I was advised to resubmit my employment certification forms. New employment certification forms from both of my previous employers were uploaded to the portal on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received multiple notices in the mail stating that my application for PSLF had been denied, and these forms indicated that my qualified employment dates had not been documented correctly. MOHELA had only documented as certified employment from XX/XX/XXXX- XX/XX/XXXX, when I have submitted certification documents from public service employers ( a city government and an academic XXXXXXXX XXXX XXXXXXXX ) continuously since XX/XX/XXXX. I called again on XX/XX/XXXX and was advised that there probably had been a systematic computer error when reviewing my application and a reprocessing request had been executed. At that time, I was advised to wait until XX/XX/XXXX to see if changes were made to my payment trackers indicating the application had been reprocessed, and if not, to call and request my application be referred to the escalation team. On XX/XX/XXXX, I checked my account and called to request my application be referred to the escalation team. At that time, I was told that I could not make that request and that I yet again had to wait until the application was processed. At that time, I requested to speak with a supervisor and have been on hold for over two hours. It is extremely frustrating and unacceptable that MOHELA continues to make errors when reviewing my application AND when I call to rectify the situation am repeatedly told my only recourse is to continue to wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: CA
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 contacted Equifax in XXXX of 2021 and XXXX of 2021 regarding my address. I sent Equifax a copy of my lease agreement listing my current address and requested they remove the address they are reporting as it is inaccurate. As of today Equifax is still reporting an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Maximus Education, LLC dba Aidvantage
State: NC
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:
I am attending school part-time, greater than 6 credits a semester and have been in school as an adult learner for several years trying to earn my degrees. When payments went active, my in-school status was not correctly applied to my loan and I was thrown into a payment status. The clearinghouse information was sent through the school and I filed paperwork that verified my student status after already having to make payments to keep from defaulting. I recieved a reply that I did not qualify even though I should based on my school status. I was placed on a temporary deferment after filing multiple complaints with multiple agencies and I am now being put back into payment status. I am still in school and I am registered for 8 credit hours next semester. Aidvantage has been horrible in their responses and I am just getting run around. My complaint with the Department of Education has gone unanswered for months. I will be in school for several years due to only being able to maintain a part-time staus while I work full-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: CA
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 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 XXXXXXXX Has violated my federally protected consumer 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. 1681 s-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 explanation
Consumer complaint received 2022-02-04
Company: Rickart Collection Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XX/XX/XXXX, I was a victim of identity theft. These fraudsters used my identity to purchase goods and services, opened credit accounts, bank accounts, and other items not approved me. As a result of this, I closed all of these accounts and froze my credit so that no attempts to open more accounts under my name could successfully go through. On XXXX, XX/XX/XXXX, I received a notification through XXXX about a XXXX point drop on my credit score as result of a debt owed to XXXX XXXX Upon further review, I contacted XXXX and they informed me that there was a debt collection under my name in the amount of {$1100.00} for the following address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. This debt owed stems from an account that was opened in XX/XX/XXXX. I have never lived at this address nor have I opened a XXXX account. My current address is XXXX XXXX XXXX, XXXX, MD XXXX and I have lived here for 26 years. This debt is now with RICKART COLL SYSTEMS. Original creditor : XXXX XXXX XXXX. 

XXXX instructed me to file a police report and an FTC report to get this matter resolved and removed from my credit report. I filed a police report with the XXXX XXXX XXXX XXXX Police Department in Maryland ( Case Number : XXXX ). My next steps to getting this removed is to file this report accordingly. 

XXXX Account Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Open account : XXXX Account Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX Police Report : Case # : XXXX Debt Collecter : RICKART COLL SYSTEMS. 
Account # : XXXX Opened : XX/XX/XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a XXXX veteran who has had fraud committed against me as a result i had to file for bankruptcy. This included a Capital One account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear XXXX XXXX and CFPB representatives, I am writing this letter to inform you of the wrongful foreclosure that is occurring on my mortgage loan and to formally request that Nationstar Mortgage remove the foreclosure sale date presently on my mortgage loan against my family home/property scheduled for XXXX XXXX, 2016, to allow for a complete RMA review. As of XXXX XXXX, 2016, I submitted a compete request for mortgage assistance ( RMA ) per multiple account representatives at Nationstar Mortgage to include XXXX XXXX and XXXX ( XXXX XXXX on XXXX XXXX, 2016, and XXXX - Agent ID # XXXX on XXXX XXXX, 2016 ). 

I have every intention of retaining my home and have already submitted a complete Request for Mortgage Assistance ( RMA ) as of today in an effort to restructure my mortgage debt to retain my home. The only document that had been missing from my RMA was a current dated MHA HAMP RMA ( only requested 12 days ago on XXXX/XXXX/16 ), which has already been submitted to Nationstar Mortgage and is attached for confirmation. This document was delayed as a result of the lack of communication by Nationstar Mortgage to convey what was needed to submit a complete package. I was advised on XXXX/XXXX/16 that I submitted a complete package, which means that the foreclosure sale should have been removed at that time by Nationstar Mortgage to not engage in unlawful dual-tracking practices. Additionally, I was also advised that Nationstar Mortgage created a missing documents letter but NEVER SENT IT OUT to me perpetuating the wrongful foreclosure, which in unjust at a minimum. 

I have now submitted a complete Request for Mortgage Assistance ( RMA ) to include the current dated MHA HAMP RMA that was the justification for moving forward with the foreclosure from Nationstar Mortgage to date. Per the California Homeowner Bill of Rights, RESPA and the CFPB ; foreclosing on my mortgage loan while currently in a RMA review would be wrongful, in violation of multiple state and federal laws, and illegal. 

Please help me to postpone Nationstar Mortgage 's foreclosure sale date immediately to allow for a complete review for mortgage assistance on my mortgage loan. Please also ensure that Nationstar mortgage provides a missing documents letter to me detailing what documentation is still missing on the file to deem it complete since it is confusing as to what is needed when and in what time frame. 

Thank you in advance for your assistance with this matter. I look forward to hearing back form you in an expeditious manner since time is of the essence with the sale date pending for tomorrow!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Park Hill Holdings
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
SAFERENT Solutions broke the law and violated my federally protected rights. SAFERENT reported a false eviction on my consumer report since 2018, literally stopping me from extending credit, receiving shelter and ultimately leading to me being XXXX After finally tracking down SAFERENT and disputing this information they never marked this item as disputed on any of my consumer reports, a violation of the Fair Credit Reporting Act. They also came back not one, not twice, but three times and said this information was validated without giving me the process as to how they validated this information. I personally, XX/XX/XXXX, went to the courthouse and spoke to several clerks who were unable to locate this alleged public record in their database. I looked up the alleged docket number, my last name and first name, and the alleged plaintiff and neither the clerks nor myself were able to find the record SAFERENT continued to validate as correct. I even pulled my consumer report from over five other credit reporting agencies and none of these contained any public record of an alleged eviction. I again reached out to SAFERENT and threatened to take this manner to court for aggravated harassment and identity theft. They responded three weeks later stating that this item was deleted. No explanation why, no validation process just deleted. They have ruined my life in the last four years and the things I've had to endure just because of this horrible reporting by a credit reporting agency has to be brought to the light. PLEASE GIVE THIS THE ATTENTION IT DESERVES so more consumers lives aren't purposely ruined by this credit reporting agency.

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 2022-12-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: PNC Bank N.A.
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: Problem with personal statement of dispute

Complaint:
I have filed XXXX  XXXX for XXXX XXXX  and paying on the plain. my mortgage is not included in the XXXX  XXXX payment plan I pay that regular. I called XXXX credit agency directly at XXXX and was told that they do not have to report the mortgage to the credit agency. I am pretty sure this is not correct as this is a FDIC insurance back securitized bank. And they are to report all mortgage history accurately what ever the status. I did not file XXXX  XXXX but XXXX, PNC Bank is stating that they can not report until they reaffirm the mortgage. To reaffirm the mortgage means the mortgage is part of the filing of XXXX  XXXX. If that is the case then fraud can occur if mortgages are not reported that makes no sense. I am asking for an investigation to be conducted not this. My car loans that were not part of the XXXX  XXXX reported the payments and that I paid them off. So if that was the case why would they report. So something is not right. I really believe this can be a problem and why mortgage fraud is occurring because if the banks are not reporting it then how would another lending institution know? 

I can be reached on my cell XXXX or email XXXX Respectfully and thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
FIX THIS PLEASE. 

I am sorry that " XXXX from Caliber 's '' diligence resulted in ASSUMING that when XXXX XXXX XXXX XXXX tax office supervisor verified that we owe {$15.00} you recorded it as {$1500.00}. 

I have called ENDLESSLY for resolve. Stop taking escrow money that is NOT due. We owe {$28.00} per HALF in XXXX taxes. You have literally be REFUNDED TWICE for overages paid in this EXACT AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: PA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

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 2022-02-04
Company: Galaxy Capital Acquisitions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Evening. To Whomever This May Concern. My name is XXXX XXXX. I received something in the mail from Galaxy International Purchasing LLC sent something to me stating that I owe XXXX for a debt with XXXX XXXX. XXXX XXXX has already removed this out of their system because I sued them and won because this is a debt as a result of identity theft and I had nothing to do with it. This company is trying to come after me for a debt that is not owed and is a result of identity fraud. I believe these people sent someone to my daughter 's house at XXXX at night as a process server. I will be contacting the police and she will as well because she said that they were taking pictures of her home. They were trespassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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: Information belongs to someone else

Complaint:
I have disputed the accounts in question and also provided a police report and proof of address and TransUnion refused to remove the accounts that I disputed as identity theft. TransUnion can not provide me with proof of ownership which is affecting my creditworthiness. This has hindered me to the point where I will have to take legal action to correct this situation. Upon disputing thru CFPB, if Transunion will not remove the account I will file my law suit in small claims court and demand {$5000.00} per account incident.

Company response to consumer: In progress
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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:
After reviewing my credit report i found out that i have a big dept from a student loan under my name which as given in XX/XX/2019 for a total amount of {$30000.00}. 

I am requesting for this information to be removed from my credit report as soon as possible because it is affecting me. I have never recieved a student loan. This is a result of identity theft and i need this to be taken of my credit. 

Please block and delete any information on my credit report, persuant to section 605B of the fair credit report act, and send the requiered notifications to all furnishers of this information.

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