BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
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:
I attempted to pay off all my student loans in two payments in XX/XX/2023 but I could not because MOHELA 's portal was unclear and customer service was unresponsive well after the 3 business days waiting period. Additionally, the portal possibly included incorrect information - I say " possibly '' because they still haven't cleared it the confusion. 

- In early XXXX, I made a small payment to see how the payment system worked. This was successful. 
- I made a large " final '' payment to pay off my entire balance. The process to pay off the loan was confusing because I could not see where to pay for the interest, it only showed me an option to pay for principal. When I made my " final '' payment, I thought it included everything since I was reading off of the amounts in the portal. I logged in a few days later to find that more PRINCIPAL was owed ( around {$60.00} ) - I sent them a secure message through their system to ask how to complete the payment of the interest and to clarify why I had a principal balance when I had paid off all my principle. 
-After sending the message to customer service, I made another payment to clear out the remaining {$60.00}. 
- I logged in again today ( XXXX ) and found that an additional amount is still owed. 
- As of this writing, I have yet to receive a response.

My friend has had similar issues paying off her loan in one go and I have encouraged her to submit a complaint as well. I should have not have to go through so many loops to pay off
my student loans. I have the money to pay off everything now - Imagine those who do not and are forced to work with MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 Account # XXXX 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer 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 theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for your time and help in this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an account with Simple Bank which stopped service this year and my account was transferred to BBVA. I couldn't access my account through BBVA because of technical difficulties. Then I forgot to try to access it for a couple of months. I barely used the account anyway and I transferred money in it to cover the very small withdrawals I knew were coming out of the account. Simple Bank did not charge overdraft fees but BBVA does and I did not realize this. I received letters from BBVA but I thought were just statements at first. The totals at the bottom of the letter were positive numbers and I didn't read the notices very closely until the number was larger than I expected. I was not contacted in any other way. I accrued over 19 NFS charges from XXXX - XXXX totaling over {$700.00}. Most of the charges were for AHC withdrawals of {$3.00}. I tried to see if BBVA would help me remove these charge, but when I tried to contact them, I learned that they were acquired by PNC. Then I tried to contact PNC but they were so overwhelmed by the acquisition that I couldn't access my PNC account for weeks after this realization. Getting a hold of anyone at the company was nearly impossible. After finally getting my account information and contacting them again about the fees, PNC says I am responsible for all of these charges because they happened when my account was owned by BBVA and that I should have contacted them while I was still a customer with them. I had ~ a 4 month window to get in contact with BBVA about a problem I didn't realize I had for a bank account I barely used. PNC said they would forgive 3 of the charges but I am responsible for paying the rest of them. I can't believe I have no course for resolution and they can not offer any help beyond 3 courtesy fee waivers. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Collection Bureau Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a debt I accrued. The debt is under a last name of XXXX. My name is XXXX XXXX. I have called the collection agency but they are very rude and I do not believe that they are taking me seriously. This is not my debt. What do I do? 

This is the info on my credit report : Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7100.00} Amount {$7100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RRATIVE From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts ( XXXX XXXX XXXXXXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.

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 2021-03-04
Company: Viking Client Services
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/21, I received notice, via USPS, that Viking Client Services alleges I owe their client, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( {$2000.00} ) '', dated, XX/XX/21, for a " XXXX Credit Card '', with no original creditor cited. I immediately responded, via certified USPS Mail, return receipt, # XXXX, to dispute the debt in full and request validation within thirty-days ( 30 days XXXX. A duplicate request was also sent to XXXX XXXX XXXX, via, certified-USPS-Mail, return receipt, # XXXX. And a second validation notice was also sent to Viking Client Solutions, on XX/XX/21, via USPS-Priority-Mail, although they had received prior notice, and the 30 day period had already begun with both parties. As the request with Viking Client Services, was signed for on XX/XX/21, by Mr. " XXXX XXXX '', and the request with XXXX XXXX XXXX was signed for on XX/XX/21, by " XXXX ''. Please see the attached letters, titled, " Vikingltr11421 '', and " Uhgdpdeltr '', including return receipts, with signatures. After not receiving any response from either party, cease and desist notices were mailed to both parties on XX/XX/21. However, on XX/XX/21, I did receive what seems to be an inadequate attempt to validate this alleged debt from Viking. However, it was post marked, XXXX, XXXX, and dated, XX/XX/21, well after the thirty-day ( 30 day XXXX period to investigate under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) expired. Please see the attached envelope, and letter, titled " VikingresponseXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The merchant : XXXX XXXX XXXX XXXX XXXX This account was an account I held jointly with my former wife, XXXX XXXX XXXX XXXX who is now deceased. She was responsible for maintaining this account for use with her small business. This account should not be on my credit report and I should not be held accountable for the delay in payment. During this time, XXXX XXXX fought XXXX XXXX until her demise on XX/XX/2019 and had difficulty keeping up with tasks such as paying bills and tending to her business.

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 2018-05-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for a " XXXX XXXX '' card about 3 or 4 years ago. To save during the holiday season. The next month. the bill came. I paid it off in full. The next month I got another bill for like {$1.00}. I paid that then cut up my card. Never to hear from them again until 3 or 4 yrs later.  Which is now. They continue to harass me by sending me bills. I call them and waste a couple hours of my time fixing the issue by talking to many supervisors. I called Chase and XXXX and was told this matter is fixed. That account is closed. I can not so much as be sent a bill by mistake, and yet it still continues to happen. The last person I called said that it wasn't a bill at all. It was like a letter of my history. It was a bill with " minimum payment amount '' on it. He didn't know what to say about that. I have called Chase several times. Im told I OWE NOTHING and that the matter is FIXED. I have spent hours of my time on the phone speaking to one supervisor after another. Im told its FIXED each time. Then the next month comes with yet another bill. With a different amount. This is harassing and I WANT IT TO STOP. I have told them as much, and yet it continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had a data breach on my credit report back on XXXX of 2017 were my credit and social security number was on the black market also people used my information with out my permission.

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 2022-05-21
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 2023-09-25
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
As in My original complaint, I requested that Our additional principal amount of {$100.00} per week be applied to Our payments as principal, after Our original complaint was closed the company began to take our payment and apply as monthly payments again. How Much Time Do We Have To Respond After Our Complaint has been submitted or a request for a response or further communication before the claim will be closed? I have been block from accessing my online account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION. PLEASE DO NOT PUT ANY HARD OR SOFT INQUIRIES, OR CREDIT CARD ACCOUNTS UNTIL YOU CONTACT MY CELL PHONE NUMBER AT XXXX VERIFYING WHETHER IT IS ME THAT DID APPLY FOR OR OPEN A CREDIT CARD ACCOUNT. I AM A VICTIM OF IDENTITY THEFT, FRAUD, AND UNAUTHORIZED ACTIVITIES THAT ARE CURRENTLY OR HAVE PREVIOUSLY BEEN PLACED ON MY CREDIT REPORT TRYING TO PROTECT MY IDENTITY, AND MY SAFETY WHEN IT COMES TO FRAUD, UNAUTHORIZED ACTIVITIES,, AND IDENTITY THEFT.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Went to Wells Fargo and XXXX XXXX XXXX to open a checking account, they denied me to being able to open account. I got a report from XXXX XXXX and nothing is on file. I go a report from back and got denied but it doesn't say why I am being denied. I have ran XXXX credit file and I see nothing that would impact me from opening a bank account.

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 2022-09-10
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:
My identity and information was exposed during the XXXX  XXXX breach therefore this account was opened fraudulently without my knowledge so now its showing negative marks on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 checked my credit report and saw multiple accounts reporting that I do not recognize. This is hindering my life and needs to be removed from my consumer 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 non-monetary relief
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX has the wrong name on my account, XXXX  XXXX XXXX has XXXX of charges that ares not mine and would like to report. XXXX XXXX needs to be looked Into. My XXXX XXXX  I am trying 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 2021-06-08
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Citi Bank/Homedepot is still reporting late payments on my credit report which is hurting my score pretty bad. Citi Bank recently reversed my late payments but told me it no way they could change that on my credit report which isn't true at all. I recently went through my statements and found out 15 U.S Code 1666b ( a ) was not followed at all. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. All of my statement dates with this information are all mailed well over 21 days so in which none of my payments should be counted as late. I've tried to communicate this with a person over the phone but she was not trying to hear it at all which I have it recorded and I also told her that. I ask was the statement mailed between those days she said yes which is false. I would just love if these companies would just follow the laws or get knowledge of them it would help us all out.

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 2023-10-06
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with CKS PRIME INVESTMENT i do not have a contract with the collection agency trying to collect and reporting this debt to the consumer reporting agencies, they did not provide me with the original contract with my signature. are any terms and agreement. to continue to report this inaccurate information to the consumer reporting agencies is identity theft. it has been more then 30 days since i last reached out to this company and have had a response

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX 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.

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