BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: MOHELA
State: UT
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 Monday, XX/XX/XXXX, I made an initial attempt to contact Mohela. I was on hold for XXXX hour before the call was hung up on. On Tuesday, XX/XX/XXXX, I contacted Mohela again to request a refund of the payments I have made to my account since XXXX of XXXX, after conducting some research on the Federal Student Aid website about this opportunity and Biden 's Loan Forgiveness. I was on hold for two hours again, only to be hung up on, again. I then called yet again shortly after and endured another 2.5 hour hold time. I was finally able to speak with a Mohela representative. She asked me for some identification information such as my name, birthdate, last four of my social, home address, email address, and phone number. I told her that I was requesting a refund to all payments I had made to the account since XXXX of XXXX. She informed me that it was now being processed. However, when I asked how long it would take to " process '' this and reflect on my account as well as when I would receive the refunded money to my account, she told me 90 to 150 BUSINESS days. I was immediately taken aback after hearing this. I was a pell grant recipient and am therefore eligible for {$20000.00} in forgiveness, though my loans were less than that. During the pandemic, I made about {$10000.00} in loan payments to two different student loan providers.

This time frame is absolutely absurd and not realistic for those who are trying to apply for Biden 's Loan Forgiveness. It is also very unjust to withhold the money people have paid and need returned in order to support their living expenses. Other student loan providers are quoting much shorter wait times from 3-8 weeks and I have already seen many other students receive those refunds within the promised time frame.

I had requested some form of confirmation that the conversation occurred and that Mohela was, in fact, processing my refund request. I was told they can not send out confirmation emails or anything to prove they indeed did send in the request. I realize that with the influx of calls Mohela is experiencing, having the money returned could take some time, but it is very concerning to me that they are saying this entire process can take 90 to 150 business days minimum when other student loan providers have a much quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance just 36-72 hours later after requesting it makes me very concerned that this company does not have our best interests at heart and could not care less about the life altering effects that their decision to ignore consumers is having on so many people 's individual lives and well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Trident Asset Management, L.L.C.
State: FL
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:
Trident Asset Management {$610.00} I was a victim of idenity theft someone open accounts in my name. I notifty the company with a dispute letter and send in A ftc report it been over over 30days still no reply. They remove it then add the debt back on again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: GUARANTEED RATE INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a general statement to pay my current mortgage servicer, XXXX, on XX/XX/XXXX by the XX/XX/XXXX due date. When I logged in online to make the payment for XXXX on the XXXX ( I have a 15 day grace period ) I received a message that my account was not eligible for a one-time draft payment. I then attempted to call and make my payment over the phone. The automated system was able to locate my account number to give me my past payment information, but when attempting to make a new payment I received a message that my account number was not valid. I was required to call back on Monday XX/XX/XXXX in order to speak to a live representative within their servicing hours. At this point I was informed my loan was " transferred to another department ''. I was given a new number to call and was advised it was a new company servicing my loan, XXXX XXXX XXXX. They informed me I could make my payment to them. I inquired if they were going to send something in writing, as I had not received anything thus far. They stated a letter had been sent to my property address on XX/XX/XXXX. They stated I would not get any late fees for 60 days from the transfer date, which was XX/XX/2019. I declined to make a payment until I receive something in writing. It is now XX/XX/XXXX and I have still not received any information in writing regarding the transfer of my loan to a new service provider. I have checked my mail and email thoroughly, but have not received anything from either the new company or the previous one. Am I not supposed to receive written notification from both parties 15 days before the transfer occurs? I am now outside of the grace period, which has never happened. I am concerned and uncomfortable about the situation and angry at the complete lack of communication I have received in regard to my own financial interest. Why was I given a statement to make a payment to XXXX if they are no longer able to accept my payment? Why have I not received a statement from the new provider XXXX? There has been no communication from my mortgage provider Guaranteed Rate XXXX. XXXX XXXX, XXXX, IL XXXX ( where I am supposed to mail my payments ) There was no letter or statements. I am left in an unconfident state of my loan status due to the lack of communication from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX acct was opened on XXXX XXXX and was closed on XX/XX/2017. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX XXXX XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX  ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I have 2 capital one accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts. 

Account XXXX : XXXX  shows XXXX  Current/paid, updated XX/XX/XXXX XXXX XXXX  shows XXXX  derogatory, updated XX/XX/XXXX XXXX XXXX  shows ( unknown, updated XX/XX/XXXX XXXX. 

Account XXXX : XXXX shows XXXX Current/paid, updated XX/XX/XXXX XXXX XXXX shows XXXX Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, Capital One is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I PAID {$1400.00} TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX BANKING WITH XXXX XXXX XXXX, XXXX. BUT THE FUNDS NEVER ARRIVED AT XXXX XXXX. XXXX XXXX XXXX. USES JP MORGAN CHASE AS THE CORRESPONDENT BANK FOR INTERNATIONAL AFFAIRS. OUR BANK IS XXXX XXXX XXXX CONFIRMED THAT THE FUNDS WERE SENT TO JP MORGAN CHASE. TO CONFIRM THAT THIS TRANSACTION HAD BEEN DONE WE REFER TO SWIFT REFERENCE PET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with BJs Wholesale the only card I ever opened with them was a Military Member ID. Neither BJs or Comenity Bank can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through BJs Wholesale

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-03-17
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:
Fraudulent accounts and inquiries appearing on my credit report Accounts 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 non-monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I, XXXX XXXX, sent out a letter to XXXX XXXX XXXX  because I became aware through my consumer reports, that they were violating my rights as a consumer. 

Pursuant to 15 U.S. Code 1681a 2 ( A ( ) i ), XXXX XXXX reported my experience with them onto my consumer report. Giving information out concerning my utilization activity. 

I never gave XXXX XXXX any written permission to report such experiences onto my consumer report. Pursuant to 15 U.S. Code 1681b, again I have been violated. 

As a consumer, XXXX XXXX has not respected my right to privacy, pursuant to 15 USC 1681 ( a ) 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX, a series of 17 hard-to-detect ( not high enough to raise my online alarm ) amounts of money were taken systematically from my accounts with Wells Fargo ( between the dates of XX/XX/XXXX and XX/XX/XXXX ). I was in the middle of a job shift and merging accounts with my new spouse, and in the transitions we did not notice for several months. By the time we did, the amount tallied up to {$5900.00} When I discovered the accounts were rapidly depleting, I made a call to Wells Fargo requesting the reimburse the funds stolen, since the account was insured by policy, and they agreed to look into the incident and fill the account with a temporary allowance till the matter was resolved. When the situation was resolved they agreed to return the remaining difference indefinitely. 

On XX/XX/XXXX, I received a mailed response from Wells Fargo stating they would not return the funds insured, because they were convinced the funds went into an account that belonged to me. When I sought legal counsel, Wells Fargo froze the account, not requiring payment, but seemingly adding interest to what they claimed was owed. When I asked they would not look further into the incident. My legal counsel requested that I ask for the name of the employees or office that confirmed the account my funds were transferred to ( i.e. stolen from ) belonged to me, but when I requested this information it was withheld.

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 2020-01-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XX/XX/2019 I received a notification from my credit monitoring service that there was a collection added to my XXXX credit file. I immediately contacted IC systems and paid the medical they were collecting on behalf of XXXX XXXX. The amount owed cleared my account on XX/XX/2019. The collection was removed from my XXXX Credit report as per the agreement with IC system in mid-XX/XX/2019.  On XX/XX/XXXX I was alerted that the same item by IC system for the same amount had been re-added to my XXXX credit report 2 days earlier. I immediately contacted IC Systems where a very rude representative ( he was dismissive and did not want to hear what I had to say ) hung up on me. I called back and another lady answered and was kind enough to look at my file and confirm that I had in fact paid and that it was updated back in XX/XX/2019. I had paid the agreed upon amount and they had removed it from my credit report. She advised she would notify her supervisor and her supervisor would call me the next day. The next day came and went and no one from IC systems called me back. I waited and called again on the XX/XX/XXXX. To which no one helped even after 2.5 hours on the phone and over 7 different transfers. I even called XXXX XXXX XXXX which reported that IC systems never told them ( XXXX XXXX XXXX ) that I had in fact made a payment back in XX/XX/XXXX. I asked the XXXX XXXX XXXX representative to stay on the line and confirm to IC Systems that this was the same date of service and not a duplicate. He stayed on the phone while I was transferred 7 more time and no one would speak to him or I to clarify this situation. Currently my credit score/report are taking a significant hit because these two companies can not get on the same page and report correctly to the Credit Bureau, even after confirming payment. I am at a loss at the lack of customer service with IC Systems staff. I am significantly upset that something I handled so promptly is taking this long to handle. 
No to mention that ALL of this would have been avoided if XXXX XXXX XXXX would have billed BOTH my insurances for the service they provided, and followed up with the required information my insurance requested from them. So not only did I pay for a collection that I was OVER insured for, but now I am dealing with IC System and their defunct way of damaging my credit report without concern, even after I paid. 

I hope no one else has to deal with situations like this but I see that this is common practice with these two companies. I ask that my credit report be correctly updated and the collection that was placed on my credit file erroneously be removed.

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 2023-05-29
Company: EQUIFAX, INC.
State: NY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update or repair these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: AES/PHEAA
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 spoke to XXXX ( employee ID XXXX ) FedLoan on XX/XX/2019 about the fact that my XX/XX/2019 autopay payment did not process as it was the weekend. The meno on the website specifically says If your due date fell on a non-banking day ( weekend or holiday ), it may have caused your account to show 1-5 days delinquent until your payment processes. If this did occur, your payment will be extracted on the next business day and will have no negative impact on your account or credit reporting. My understanding from this statement is that the payment should have been extracted on XX/XX/2019 as that was the next business day after XX/XX/XXXX. XXXX told me that it could really take up until XXXX XX/XX/2019, which directly contradicts the statement posted on the website ( see attached screenshot ). In reality, payment was not extracted until XX/XX/XXXX. Information provided by the website and XXXX contradict each other and FedLoan is the only company I have ever dealt with that causes a weekend payment to become delinquent. This should be unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: WI
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:
Auto Loan still remain on my credit after it has been fully satisfied in the Full amount. This Auto Loan Was Fully Satisfied XX/XX/XXXX. This Auto Loan Is From XXXX. I Was The Seconday On The Account For My Brother. I Have The Sealed Document Of The Cleared Judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: OK
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 am writing to you in hopes that you can assist me in dealing an Experian Credit Agencies investigation of 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX debts that were invalid. 

I am a veteran of XXXX  and XXXX and have been using my XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX since XXXX. On XX/XX/XXXX I received a letter from the VA stating that an overpayment had been made for my benefits. I submitted an appeal on the same day of receiving the letter stating that this was due to circumstances that were beyond my control. I kept in contact with the XXXX VA XXXX regarding the appeal and was told that it would take a while due to a backlog of benefit paperwork. I started to receive letters from the XXXX XXXX XXXX XXXX  invoicing me for the overpaid benefits. The XXXX XXXX assured me that the appeal status would determine whether the debt was valid. 

On XX/XX/XXXX, to my horror, I noticed that the XXXX XXXX XXXX XXXX  had posted 3 accounts to my credit report with the status of " In Collections ''. On XX/XX/XXXX, I received a letter by the VA stating that the appeal was in my favor and am no longer responsible for the debt. The XXXX XXXX XXXX refuses to remove the 3 accounts from my credit report. The debt never went to collections as it now states. It never left the XXXX XXXX XXXX and the amount of debt was waived by the appeal. 

Experian was unwilling to remove the account 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