BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I contacted Mohela by phone to request a refund of voluntary payments made during the Covid forbearance period. The loan ( listed as loan 4 in Mohela ) was previously serviced by XXXX ( listed as XXXX XXXX in XXXX ). 

All payments were made to XXXX but has since been transferred to Mohela which is my servicer for PSLF. This loan is not part of any consolidation loans. 

On XX/XX/XXXX, I reached out via Mohela Chat and confirmed that a refund request was made and is waiting to be processed. The agent confirmed my refund request amount of XXXX On XX/XX/XXXX, I contacted Mohela via Chat again and the agent quoted 90 business days from initial request for turn-around-time for refunds and requested that I wait to reach out until that time has passed. 

On XX/XX/XXXX ( exceeding 90 business days ), I contacted Mohela again to get an update on refund request. My loan balance has not increased and do not see that a check has been issued for this refund. They said they will re-submit the request. 

On XX/XX/XXXX, I contacted Mohela via Chat and the agent informed that they can not see my payment history from XXXX for the loan that I requested a refund on and thus, unable to help with the refund. On my payment tracker for the specific loan, the payments on my loan from XX/XX/XXXX to XX/XX/XXXX are missing. I was told I need to send proof of my prior payments to my old servicer XXXX during the Covid forbearance period. 

I am concerned that it took over 5 months for me to learn that they were missing the payment history and thus unable to assist with the refund. If they needed additional information to process the request, they should have alerted me sooner. 

However, they were able to confirm with me previously ( during my original request in XXXX and then again in XX/XX/XXXX ) the correct refund request amount which is the total payment I made during the Covid forbearance period for this loan. How were they able to do so without any payment history? 

I have uploaded a copy of my payment history from XXXX which serves as proof that I made payments during the Covid forbearance period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
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: Information belongs to someone else

Complaint:
I have tried on numerous times to have fraudulent inquiries removed from my credit report and have end filed FTC report but was told my FTC report wasn't enough to get the inquiries removed. I have included the FTC reports along with the request to have them 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 non-monetary relief
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Im submitting this complaint against CAPITAL ONE due to their total indifference to my consumer rights under the FCRA. For months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company since XXXX. I opened dispute with all credit bureaus have requested this fraud account be removed from my consumer file immediately. In all failed attempts every customer service rep I spoke to at capital one doesn't have any recollection of any of my previous calls " but their calls are all recorded ''. Capitol one never mailed letter as discussed acknowledging fraud account for my records. As of today XXXX capital one refuses to remove inaccurate information on my consumer file and work with credit bureaus to remove fraud account on my consumer file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: Docuservpro dba Simple Repayment
State: IN
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:
I was contacted by a company last year. The company was called XXXX they said if I pay a consolidation fee that after a few years my loans would be forgiven. They said they would walk me through everything and keep me updated. After a few months I talked to my actual student loan provided and said I was not in such a program and that was not true. I tried to get a hold of the XXXX company and it seems like they changed names a few times. Now they are called https : //www.simplerepayment.com/ Simple repayment. When I traced who was taking the money out of the account I called the bank to stop it and the company put a collection notice out and said I had to pay or else I would be taken to court. At this point I had no contact with anyone from the student loan group or the collection agency taking the monthly deposit out. I have tried to cancel but can not and they keep taking a monthly fee out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Aspen Yo LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We have been trying to file a complete package to get a loss mitigation with Gregory funding for the last year and a half. Every time we reach out we have to wait XXXX XXXX to XXXX hours on hold to hear which document they can not read or can read, depending on the individual who answers. 

They are avoiding helping us get the XXXX XXXX XXXX XXXX, which they are listed on as a Lender on the pull down list. 
We have equity in our home and every time they have again and again said that they can not read this document or this letter ect. 
I have a third-party nonprofit that has fax, uploaded on the website and emailed. 

Gregory funding has denied us from saving our home. We hired a lawyer and since the last 2 weeks now they have receive the loss mitigation/loan modification package, everything illegible every single page complete, but we are too far behind. 

They will not except our package due to a high pass balance, and denial of which they have pushed off and avoided to help us since covid. We have fill out every form they have ask for and upload and called multiple times a week. I have also requested phone records and submission packets and havent received any response. They locked me out of my account so I could not upload any documents, said it was under construction. 

Gregory funding is taking a vantage of our family of XXXX, please do not let this company continue to push families out of their homes and communities. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been working on fixing my credit score being wrong almost two years having wrong information appear, disappear & reappear?! 
I put security alert & freeze & XXXX XXXX opened two accounts in my name? I have XXXX  & i was not protected! 
I began by using transUnion who is removing the negative after Sending them a copy of FTCs letter deeming me a victim along with everything listed on FTCs Recovery Steps! 
On Friday XXXX after getting redirected until XXXX XXXX XXXX, - I began at XXXX XXXX - XXXX, the department connectected me to internet help & specialized Deparemt who tried to swindle me out of {$25.00} telling me I dont have an account & it will cost money to get an account! When I said that doesnt sound right and no, she told me, this is a prank caller so im hanging up ..! A worker in the online specialized department for TransUnion Is Directly part of the our global problem of fraud represent TransUniin!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I personally wrote a certified letter to Midwest Recovery Systems informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. Midwest Recovery Systems has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: NCD Financial, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid my loan in total for a full deletion from my credit report. I have the emails to prove the deletion from my credit report. After I paid {$300.00} the company only put paid in full on my credit report, which caused my score to drop XXXX points. When I tried to reach the company to hold up hold their end of the deal, they responded they could not delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. I sought help of CFPB on this matter before and thought it was resolved earlier this year. However, Capital One has submitted the issue to XXXX XXXX, XXXX in the amount of {$3600.00}. 
2. I had offered an affordable payoff but it was ignored. I later offered settlement that was affordable and it too was ignored. Explained that COVID-19 devastated income but still no relief from Capital One. 
I have attached copy of the XXXX XXXX, XXXX from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze on my report in XXXX  with XXXX. I was assured no new accounts could be opened in my name. Instead they allowed a closed account to be reopened and information updated that was previously reported as closed from five years ago.

In regards to both XXXX  and Experian when I submit a dispute sometimes they rule in my favor and remove the account sometimes they don’t but will not provide proof that accounts belong to me instead have requested I file a police report and submit proof that they don’t belong to me. If they cannot provide proof and refuse to show proof that the account is mine the account should be removed. Instead they allow companies to state a person owes them money without any proof and even if it is disputed and removed they allow the debt collection companies to resell consumers private information that can’t even be verified as there’s only to allow the debt collection company to put a new account on a report. There solution is to freeze a consumers credit report but this prevents a consumer from using credit at all.

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 2021-07-16
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with this company so for them to have my personal information after experiencing identity theft is very alarming. I have sent a request for validation via certified mail which was received by them on XX/XX/21 and have not received anything back yet however, they flagged the account as a collections account on XX/XX/21. I can confirm this company has no signed agreement between the both of us or any evidence that weve ever done any business whatsoever so they will not be able to provide any documentation validating this account is accurate which some of what Im requesting from them.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.

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 2019-12-14
Company: Northstar Location Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: LA
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 is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a 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 explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 2021-12-10
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We used XXXX HomeOwners insurance and we have been turned over to collections. I have already disputed this via written letter however ; I am still receiving harassing 's communication. We sold our home and we were provided a credit due to the sale of the home which was included in the closing documents. We were even provided a refund by travelers. I am not sure how their records are prompting this harrassment but this account needs to be closed and we need to be left alone. They turned this debt over to Credit Collection Services- XXXX XXXX XXXX XXXX XXXX MA XXXX. I have since disputed this debt directly with them but it seems like that fell through the cracks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 would like for the fraudulent accounts to be removed 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 non-monetary relief
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: TX
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 had submitted a request to Equifax following the passing of my father to mark his credit file as deceased and get a final copy of his credit report to verify that there is nothing outstanding that I didn't already know about. What I received in response, addressed to me at my address, was a credit report for a completely different individual. I have her full name, date of birth, current & previous addresses, I know what credit cards she has and how much she owes, I know the bank and balance of her checking account, and all the reported places she's worked. While I don't know her full SSN, I can tell you that the last 4 digits of it match that of my father. That is the only similarity between the two and I believe that is where the mistake was made. A second letter from Equifax makes the same mistake and details a change to the account. 

I called Equifax to tell them about the mistake. They got information from me about my father and said that they were sending me the correct credit report. They didn't seem surprised or alarmed that they had sent out the wrong report initially. After my information was divulged in the breached by this same bureau last year, this is even more troubling. Since consumers don't have any choice in the bureau having our sensitive information, I would hope that they would make every effort to protect that information through security measures and preventing human error. This does not appear to be the case. 

I'm attaching my initial request to Equifax, the single page letter about a change to the account, and one page of the credit report to emphasize the sensitive information I was provided. I did double check to make sure the SSN which I had provided was correct. I have not redacted any information from the pages, but will not share this information with anyone else. I do intend to send the individual a letter so that she can contact Equifax directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Friday XX/XX/XXXX th My credit card was used to purchase Items from XXXX XXXX XXXX XXXX XXXX for the amount of XXXX. Someone used my credit card to purchase some items from this store. I noticed and immediately contacted the Bank of America/Visa .

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 monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation