BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: 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 XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern I have contacted TransUnion on multiple event today to get a copy of my report to file a dispute that was shown to me through my Experian application there are numerous of inaccuracies and incomplete transactions on my report including names address and account this affects my rights as a consumer not be able to have a accurate and complete credit report please have some one contact me as as possible to complete the disputes thats are affect my FCRA RIGHTS AND LAWS

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 2023-10-13
Company: MOHELA
State: OR
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:
On XX/XX/XXXX, my account was placed on forbearance without my authorization. 

No letter was sent to my email. The only notification was buried in my online account messages on their website. 

The last email I received from them was on XX/XX/XXXX regarding my Auto Debit notification/confirmation. 

I recently submitted a Public Service Loan Forgiveness certification, but the form submitted did not request a forbearance, just to credit the time to my account On XX/XX/XXXX, my loan due date, I checked my checking account and saw no pending or cleared payment. That is when I logged into their website and saw {$0.00} due and no payments pending. I dug around and found a message in the message box ( the message box showed no messages ). In the box I found one message that looked unopened. This is where I found out about the administrative forbearance. So, I called MOHELA and spoke with XXXX # XXXX when their office opened. I asked why my loan was placed in forbearance without my authorization. I was told the accounting team believed they had miscalculated a number of people 's payments due, and rather than charge the amount due shown ( possibly less than what is due ) and sort out their mess and consult people, they placed all those accounts in forbearance without any authorization or notification. 
XXXX # XXXX submitted a request to remove the administrative forbearance ( takes 5-7 business days ) and advised me to make a manual payment online today. By doing that, this month would hopefully count towards my Public Service Loan Forgiveness and by next month the auto pay should work again. But that is dependent on their accounting team sorting out their math issues by next month. When I repeated for clarification exactly what they had just done to me and a number of other people, XXXX # XXXX did state very clearly that MOHELA made the request to place my account into forbearance, without my authorization and without consulting me. It was MOHELA that made the request, not me. 
I made the payment online and got a receipt online that I downloaded, but I had to wait nearly 6 hours to get the receipt emailed to me. Then, at XXXX ( PT ) XX/XX/XXXX, I finally received an email from MOHELA telling me my account was placed in administrative forbearance. Just more proof they did this without my consent.

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 2022-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX plan for my daughter at XXXX  XXXX  number XXXX unable to get money to call college fees despite hours spent on phone with my daughter and myself and multiple steps and forms taken. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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 out of work for XXXX XXXX XXXX my company was aware, also aware I was trying to work with a hardship found to get help, credit acceptance called several times and when asked told me I was not in danger of repossession however repossessed my truck today. The payments were XXXX on a XXXX used XXXX XXXX. Having bought the truck in XXXX this is the second time it has been repossessed. My research shows there is a law suit in process against this company for high interest loans and repossessions against consumers.

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 2021-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX  Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Applied for IDR SAVE repayment plan in XXXX and the status has been 'under review ' for months now. I even tried resubmitting it and have received no correspondence from Mohela about this application. I have emailed them and received no response as well. I have received my payment amount now and it is not on an IDR plan and the payment is too high and they are giving me two different payment amounts due now as well. One is {$200.00} and the other is {$400.00}. I have attempted to call them and been on hold for hours just for someone to answer and not be able to hear me when I talk and then hang up. It is unacceptable customer service. My application should have been processed by now and I should not have to be doing this but the customer service should have expected a large rise in calls and should make sure they have the ability to hear people after they wait hours or call the number back if they can not hear the customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: MOHELA
State: WV
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:
On XX/XX/XXXX I first contacted MOHELA to see how I could lower my repayment and still have the payment qualify for PSLF. I was advised I should move to the standard repayment plan saving over {$100.00} per month, and I requested the switch. When the statements finally came out in the beginning of XXXX my payment had not been adjusted. I called on XXXX and spoke with XXXX, he also seemed surprised it had not yet been processed, and said within a few days it should be completed and I can view the adjustment online. On XX/XX/XXXX this has still not been updated. I attempted to call their customer service line again and requested the call back option. It has now been almost 4 hours and I have not received a call back. I found a fax number for MOHELA and submitted my request/complaint there on XX/XX/XXXX, but I have no faith in their customer service at this juncture. Please assist in helping my payment get lowered prior processing on the due date of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: RSVP Lending, LLC dba RSVP Loans
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a letter to apply for a loan with their company. I uploaded all requested verifications and was denied. However, the only reason for the denial was " unable to verify application based on documents you provided. '' I called ( XXXX ) to see what could not be verified, and the lady I spoke to stated she could only tell me the same thing my " Notice of Adverse Action '' stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
with reference to complaint no XXXX, i have made a complaint on comenity capital bank regarding the wrong debt that was collected from me. The company responded on XX/XX/2023 saying that the applied monetary relief of {$190.00} against my account number. But this statement is wrong. I had to pay an amount of {$240.00} approximately to clear the balance as it is hurting my credit score. I made the balance XXXX  by paying my own money and also requested the bank to close the account. I was informed couple of times that the account was closed. I am not sure how Comenity can apply a relief to a closed account? I think the bank is not committed to resolve the issue and making false statements. I would want them to send me a check for {$240.00} i paid and also offer me a compensation of {$5000.00} for all the trauma they have caused for wrongly effecting my credit score for about XXXX months now and making false statements on applying credit to a closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good evening, On Saturday, XX/XX/2021. I was informed ALL of my accounts were closed with Capital One stating that I violated a clause within the terms and conditions. The I called and spoke with a XXXX I was advised this was because I was unable to properly protect my account from unauthorized charges You all can pull the call that will confirm this as its being recorded for quality assurance. XXXX with is the credit card that you all have contact ensures {$0.00} fraud liability, According to you all terms and conditions UNAUTHORIZED CHARGES fall under fraud. 

This is were is gets a bit hazy and my lawyer will be reaching out, the letter that Capital One mailed on XX/XX/XXXX, states my accounts were closed for not protecting my account from charges I did not authorized when I asked how is this to be done from your rep I was told to lock my card in safe. When Ive personally been a victim of identity theft which can be verified amongst all of my accounts and was called to confirm my identity. As a client that has had an auto loan, XXXX credit cards as the primary, a few as the authorized user and a bank account. I am in total dismay at the customer service and how Capital One literally blames there client for fraudulent transactions by the closure of accounts although the history of the count has NEVER warranted such penalty. NOW, I am being affected XXXX again for acts done against me or NO fault of my own. The {$0.00} fraud liability you all proclaim is NOT without consequences and should be communicated to potential consumers. 

It is unfair that I am being penalized. My credit has taken a hit via inquiries and drop in utilization all for reporting charges that were fraudulent to the company that is supposed to be bringing humanity, ingenuity, and simplicity to banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have held account with Kohl 's for over XXXX years. Recently on XX/XX/2021 I was paying for products at the register and wanted to use my Kohl 's account. Because I didn't have my charge card I was requested to enter my social security number into the computer console. I have done this several times in the past in the same situation and had no problems. I was surprised when my account was rejected. At the time I didn't think much of it and paid with my debit card. 

Today I received a credit report from XXXX stating I had been rejected for a new account with Kohl 's. I never had any intention of applying for new credit with Kohl 's but rather use the account I've had for XXXX years. This was a deceptive practice by Kohl 's in doing this. I never filled out any application for a new account. Why would I apply for new card if I already had an account. This is frustrating and I want this credit inquiry removed. I monitor my credit closely and avoid doing anything to negatively impact my XXXX XXXX. 

Not being able to dispute this inquiry through the credit bureau is completely ridiculous and outdated. What are customers supposed to do when this occurs improperly? 

Additionally there were statements on the credit letter for denial reasons that were wildly inaccurate such as my current XXXX XXXX, ration of income to debt and the fact that I've had too many inquiries. The only inquiry on my credit file is from last year when I bought my XXXX a new car. ( Otherwise XXXX. ) Is there no accountability with the credit bureaus for customers and there information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: GA
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:
Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX. Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I paid off a {$230000.00} mortgage loan to XXXX. Since XX/XX/XXXX, my mortgage had been in forbearance. The forbearance plan was to expire in XX/XX/XXXX. The loan was paid off before my forbearance expiration date and they have updated my credit in XXXX from 60 days late, starting in the beginning of the month, to now, with all 3 credit bureaus as 180 days late. All in one single month. If I was 180 days late at any time, why is it in the remarks/ account status, but not reflected thru 6 months of late reporting to credit bureaus. The 180 days is only reported for XX/XX/XXXX. So what happened to the prior 5 months? I didnt know you could get marked 180 days late, for 1 month? It makes no sense! This is my second consumer complaint on XXXX, since Ive been in forbearance. They are going to investigate this, and then proceed to lie, as they did previously. The have murdered my credit score, while in forbearance, but its like a scam. They report every month that you are late while in forbearance. The reporting, deducts from you credit score, but in the next month, these previous monthly marking disappear and appear to move to the next up coming month ( biggest scam ever )! So XXXX is telling me, that maybe the late reporting may fall off my credit report in 2 months. What a joke!! So you mess up my credit score, mark me 6 months late in forbearance, all in one month, and you tell me, Lets hope it falls off in a couple months! I want my credit fixed now, right now. I will never return to this Mortgage Company EVER! Fix my credit please!

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