BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: MOHELA
State: PA
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:
MOHELA took over my loans ( after that last shady XXXX  XXXX or whatever ended their contract- i did not get to pick MOHELA ) and despite me getting approved for standard repayment for an amount of XXXX ( that i am not struggling to afford. am not. NOT being the operative word. i CAN afford my payments ) and they six weeks later still have me paying graduated payment amount since XXXX. I asked them to distribute my payments at the suggestion of your organization using the same template to ask them to distribute extra payment to principal of highest interest, etc. Then i had a payent taken out with auto debit at XXXX ( again, i want it to be XXXX ) so eventually i call on XX/XX/XXXX or XX/XX/XXXX, spend an hour on the phone with MOHELA explaining that i want to give them more money, dept of ed said yes you can give us more money totaling XXXX/month. MOHELA said they need to " process this '' meanwhile interest is accruing becaue i cant pay down my prinicpal because i cant get the standard amount, and if i pay extra by just increasing the payment it's still just paying me ahead ( i'm ahead to XXXX XXXX XXXX despite my request to apply payments a certain way on XX/XX/XXXX. now today, XX/XX/XXXX, i get an email that my IDR plan request was submitted. BY WHOM?! not me!! i am not struggling, i will not be able to take advangage of PSLF, WHY WOULD THEY DO THAT. also, they put me into administrative forebearance for the next three weeks. why????? " Processing '' WHAT IS PROCESSING THE THING I NEVER ASKED FOR? now becasue of this an auto payment wont be pulled, interest will compound, and now they make more money off of me. because " processing '', XXXX and they know it. i literally have the money and they dont want it because they'll make less over the length of my loan. i will put myself through the poor house for the nexet two years to make sure they never get an extra XXXX  out of me. i want them to lose money on me since i call them so much they need to hire another custolmer service agent. two can play at wasting my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2022-02-25
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
According to a XXXX XXXX, my BMWF account is 49 days past due, this is stated in reply to prior complaint filed, pertaining to a returned payment and error with bank information provided for it.. The reply also states the amount of {$2300.00} is past due.. Neither statement is true, the account is paid until XXXX with a credit balance, I do not owe {$2300.00} nor is it past due.. It appears this person took an unusually long time to reply, the prior complaint was submitted on XXXX, I have just received reply today on XXXX which is almost two months ago. I do not know what the delay was, however, the information provided is inaccurate. I do not know if the reply was submitted late or if rep chose to send it today, XXXX The letter is dated on XXXX, I can only assume it was submitted as of today ... If thats the case, then I do not know the reason for the false/inaccurate information unless it was gathered months back, only submitted as of today 's date which does not make sense to provide old information.. Her reply also states the payment for the month of XXXX was placed as a " D-no rating '', I have no way to confirm this as I do not have copy of a credit report available. However, given the false/inaccurate info provided, I would request BMWF double check this to make sure it is accurate. Further, I request the ACH block lifted, allowing ACH payments as the last ACH return was not my error, correct routing and account number was provided via BMW site. I have confirmed correct information entered by speaking with XXXX reps. As far as I know, the block is still on the account, I have been making payments through XXXX via their bill pay which are electronic and have all cleared..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXXXXXX has been paid and closed since XXXX  but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

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 2019-09-16
Company: Resurgent Capital Services L.P.
State: NY
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/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing to formally dispute the accuracy of certain information on my credit report, which I brought to the attention of TransUnion on XXXX To date, I have not received a response from TransUnion regarding this matter. Below are the specific details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Credit Limit : {$7000.00} I would like to emphasize that the mentioned account was never late. Therefore, I kindly request that TransUnion promptly removes the late payment designation associated with this 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 non-monetary relief
Consumer complaint received 2022-02-25
Company: Aldous & Associates, PLLC
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:
Aldous & Associates/ XXXX XXXX XXXX, XXXX XXXX Utah XXXX XXXX, United States XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 NOTICE TO CEASE AND DESIST I am hereby notifying you ALDOUS AND ASSOCIATES that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. 

I never signed a contract with ALDOUS AND ASSOCIATES and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b.

You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ).

I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies.

2. Stop infringing on my intellectual property rights immediately.

3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt.

Failure to comply with consumer demands will result in litigation.

I do not consent to XXXX or any other means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After requesting three times to have no more phone calls until these XXXX   resolve the complaints I received another phone call on Tuesday XX/XX/2019 at XXXX from XXXX after three times telling them I want no more phone calls and asked to have my number removed on three calls previous they have failed to do so and now today 6-11 they are just running the message until it cuts them off saying nothing. More XXXX from these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a private student loan with Navient. The loan was initially for {$6400.00} and now it is at $ XXXX out of which $ XXXX are for accrued interest. The interest rate on this loan is 13:5 % and it originated in XXXX. Navient has put obstacles at every point to make repayment possible : A ) Navient never informed me there was Income Driven Repayment optioms. 
B ) Navient pushed to long term forbearance paying {$50.00} to renew it, every three months. 
C ) Navient will not lower the interest rate, they advised me to apply for refinancing with Navient themselves, however, they denied me due to my credit score, which was ruined by Navient. 
D ) Navient has not furnished ANY information of their discharge process, or settlement options ; they want me to pay {$300.00} a month which is prohibitive at this point. 
E ) Navient harassed incessantly during the pandemic, they offered covid related forbearance but charged a fee for it every time. 
F ) Navient customer service treats borrowers like criminals, there is not an ounce of compassion and their voices exude disgust, it is extremely distressing to hear them put me down every-time I call. I have XXXX XXXX  every time I see them on my caller ID. 
G ) Navient has offered me a repayment interest only plan, but in order to accept it they want to withdraw the money from my account automatically, they do not offer any other type of payment options. 
My husband it is a veteran and I have been a military spouse for 20 years with multiple moves and these circumstances have causes my employment to be sporadic, I have spent the last 15 years id my life being the main caretaker. I have been able to find a job with a non profit organization and from the moment I told Navient this and asked about Income Drive Repayment I was told I do not hace access to that due to the loan being a private loan, my repayment options are non existent and Navient calls me on the daily during work hours even though I told them I could not answer phone calls. Navient is demanding repayment and their representatives threatened me with wage garnishment. I am at my wits end and I need help dealing with Navient. I feel threatened by them, stressed by them, mistreated by them, treated as a criminal by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: MidAmerica Mortgage Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX2019 my escrow/taxes were increased and I did got recieve the notice due to being on XXXX, this caused the auto payment I had to be short. I made the additional payment to correct the issue 10 days later and was told that was all I had to do and the issue was fixed. The following month I recieved a call to call them, when I did I was told I was 30 days late on my payment. I have never been late on a payment and always pay on the XXXX for the next months bill. After calling the company I was told by the person that everything was correct and that they had applied the XX/XX/XXXX payments to principal instead of to my bill ; therefore, the payment I made in XX/XX/XXXX was applied to the now 30 day late XX/XX/XXXX bill. The teller took a note and sent it to the auditor and was told that the issue would be resolved on the XXXX of the month. On theXX/XX/XXXX I checked online and the issue was still not resolved and it had once again been posted to the previous month. I have now been calling every two weeks trying to straighten this out calling on the XXXX of every month when they tell me that everything posts and the following day that i realize nothing was done again. I have talked to 11 people from this company three of them being supervisors and they have still not corrected the issue. Every time i call the place the people read me the notes that were taken by the last person and automatically see the issue. The only thing good i can say about the company so far is since i have been calling them and it is there mistake they have not charged me any late fees. I just want the issue resolved and have given the company plenty of time and reminders to fix the issue and it has yet to be resolved. Below are all the dates that I have contacted the comany in regards to this issue. I am currently on hold with them in regards to this again as the last supervisor stated that it would be corrected and posted by last night and it still isnt fixed. It is ridiculous that as a professional coorparation I can call that many times and get told it will be fixed so many times and nothing changes. This is by far the worse comapny I have dealt with in regards to correcting an issue, every one of your staff admits its the companies fault when on the phone and can see what im talking about but customer service is powerless to help. There is no accountability to get it corrected. 

XX/XX/XXXX XX/XX/XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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'm in the process of repairing my credit and I noticed a company by the name of XXXX XXXX is reporting two negative items on my credit report which keeps dragging down my score. I have no idea who these people are and I've never done any business with them or signed any type of paper work with them. 

The 1st amount is for {$350.00} and the 2nd amount is {$370.00}. I have worked hard and paid a lot of money to improve my score and profile only to have this company keep reporting it causing my score to drop from XXXX to currently XXXX. 

Please advise Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: AL
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 explanation