BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MOHELA customer service is horrible. You can not get through to get your questions answered. The automated messaging is irrelevant bantering that gets repeated over and over until the phone hangs up. Negligence. 

I faxed in my employment certification for the PLSF program. They say they never got the fax the first time, so I did it again. I called today to check if they received it but I can't get through to anyone.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  TE Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2017-04-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I XXXX XXXX believe that my name is being wrongfully circulated through a debt pool operation. The attempt to collect on a debt that was discharged almost a decade ago, is still being circulated among debt collection agencies. The MCM company attached shows a debt that not only is to old to collect on, but has already been removed from my credit report based on FCRA guidelines. Accordingly, I demand that my name be purged from this collection agency immediately, and that if any reference was reported to the XXXX credit reporting agencies, that a letter of removal be submitted immediately as well. DELETE MY NAME FROM ALL FUTURE COLLECTION ACTIVITY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Experian Information Solutions 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 accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XXXX XXXX  for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX XXXX XXXX XXXX account - XXXX XX/XX/XXXX for the amount of {$520.00}

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 2017-04-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I have a Dillard 's credit card acct I have always received the statement in the mail and go in store to pay my bill. I received a credit card in the mail that I did n't request and thought to use it for purchases on XXXX. I had the card for almost a year and never used it. when I used the card it did n't allow the transaction to go through.So i used cash, thinking i have to activate the card in order for it to work. In XX/XX/XXXX I tried using the card and the cashier said the card is denied. I thought that was strange I never used it before. I called the number in the back of the Dillard 's credit card to learn I have an outstanding bill of {$290.00} and was deeply concerned only to learn my account had gone to collections. I asked the collector why did n't I receive a statement he stated we do not have your current address on file. I mentioned receiving a brand new credit card from Dillard 's to my home and not a statement showing a purchase back in XX/XX/XXXX. He then responded that there was originally a {$43.00} purchase made on the card back in XX/XX/XXXX and said I will receive a letter in the mail on this investigation he will look into my account.After several calls to the creditor I received a letter in the mail that they 've reduced the late fees from {$290.00} to {$100.00} however they can not remove it from my credit report.I am writing to you to please help to resolve this case and restore my credit back to normal.I am surprised at the way Dillard 's treated me, I have had an account with Dillard 's since XX/XX/XXXX. I learned that they 're now a outlet and probably have sold accounts to collectors.Dillard 's is not operating as the department store it now a clearance center.

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 2023-08-11
Company: EQUIFAX, INC.
State: NY
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 a fraudulent account on my credit report, which I reported it to XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX  yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I lost my job early last year XX/XX/2016 because I was in and out of the hospital because of XXXX, getting XXXX, and battling my XXXX. I called Navient because I had troubles making payments. The Representative told me he put my account in a non collectible status and to call back when I could make payments. Never once did I receive a letter, but month 3 of not making payments I got a call saying that my account was in collections. My credit score took a very bad hit. I told the manager on the phone that I want a record of the first call and she said I had to get a subpoena. I want that collection to be removed from my credit score because I was following their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
After they called me, I called them back and asked for a settlement and that they stop calling me. They would not agree. I then called back and they would not allow me to make a settlement on my account without agreeing to allow them to call me regularly about the debt. I did n't agree and asked again for a settlement. The would not agree to take my settlement offer. It is hurting my credit score and they wo n't let me pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-07-01
Company: NAM National Arbitration and Mediation
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A representative name XXXX from a company name ADR Group called my mother in law and said I was being sued and going to jail and that I have a debt to pay. When she asked where from XXXX would n't tell her. All he said was take his name and number and have me call him. I called the company immediately and spoke to XXXX different representatives. The second rep name XXXX said I had to pay a credit card debt. I asked what was the name of the company and he said XXXX. I said I do n't have or had a credit card name XXXX. I said what is the phone number to the company, how much do I owe, and what is the account number. XXXX gave me account number that turns out to be bogus. He would n't give me the phone number or tell me the balance owed or when I alleged got this card. So I XXXX premier phone number. I gave them the alleged credit card number and my social. And the representative from premier said I do n't have a account with them and that the company was fraud scam and do n't pay them anything. I said I did n't and immediately called ftc.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capitol One Auto XX/XX/15 Account was Opened. Account has been paid in full, I had some late payments but again account has been paid off for sometime now. I would like this to be removed from my credit report, this is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Massive overdraft fees

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2016-09-09
Company: FIRST FINANCIAL SERVICES, INC.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have grown increasingly concerned about my treatment as a customer ( a long-term and valued one ) by First Financial Bank. I have maintained an active program with this bank for more than 35 years ( including its predecessors before the buy-out ). I have always been in good standing. Recently, I had to take on a short sale of my property in XXXX, Indiana. First Financial was the loan holder on the second. I have signed a promissory note to pay the balance. However, today, when I called, I was greeted with very poor customer service. The behavior of those in the debt office at their corporate office are rude, incompetent and very belligerent. I have been shocked by the level of outright nastiness and lack of cooperation. Amazing. Today, I was told the office would not return my call. This is an appalling state of affairs there. Simply put, they probably deal with hundreds of bad situations. And, they do not really care about those in my position. I am also contacting their leadership on this matter.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-21
Company: Mobiloans, LLC
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. 
THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? 
AND THEY STILL TAKING MONEY FROM MY BANK.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-17
Company: ALLY FINANCIAL INC.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have already filed one complaint on this subject and while Ollo refunded some annual fee, fees/late charges, they still have failed to adjust the interest rate charges, my interest rate, lower my monthly minimum payment back down to an affordable payment in the {$40.00} and below rate as before and also have charged me another late fee while I have emailed communication to them in making them aware of this! Then, I never get a response back. Instead they send me text and leave me voicemails that my payment is late. But, how am I expected to pay when they havent done as I have listed in detail above?! l will also post my original complaint on below as well as state this all started when Ally took over Ollo. 

In XX/XX/XXXX, Ollo Card / Ally suddenly and randomly charged me a {$39.00} annual fee, which when I signed up for my Ollo Rewards Card with Ollo the terms clearly stated No Annual Fee. After I reported this to Ollo as well as her to the CFPB, Ollo Card / Ally reversed/refunded the {$39.00} annual fee, but I was also charged a late fee of {$29.00} on the same day XXXX XXXX XXXX XXXX XXXX as the now reversed/refunded {$39.00} annual fee. This {$29.00} late fee has yet as of the writing of this complaint today been refunded. I send online direct communications to Ollo Card / Ally through secure messaging and uploaded proof of these charge ( s ) securely through being logged in to my Ollo Rewards Card account on www.ollocard.com. Please have refund the {$29.00} late fee as you have already done with the {$39.00} Annual Fee in error they charged. As well as revert my percentage rate back to what it was before the {$10.00} no interest payments plan setup up around 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 2021-12-21
Company: Rauch-Milliken International, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been making payments on an account with Rauch Milliken for a debt that was originally {$300.00}. When I call to make payments representative XXXX ( female ) told me I owe various amounts than I actually owe. This prompted me to ask for her to send me my account balance in writing, via email or mail. She told me we dont do that. I can only send you a receipt on the amount you paid today. When I threatened to research regulations on debt collecting practices, she told me she would send me an email with my account balance. She never sent it. 
This makes me very uncomfortable. It isnt transparent or fair practice.Ive sent two payments and I just want proof of progress on this. Her refusing to do such a simple task is scary.

Company response to consumer: Closed with explanation