BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I, XXXX XXXX, am applying for the XXXX XXXX XXXX XXXX XXXX and am having great difficulty with obtaining prior old loan servicing history in support of my application to Mohela for XXXX. Like millions of students, my student loan servicers have changed many times and there are poor payment history logs of these and prior servicers have since closed down. I am unable to obtain payment history records from my payments between XXXX in support of my XXXX  application as there were multiple loan servicers during this time including XXXX XXXX XXXX which serviced my loan between XX/XX/XXXX until XX/XX/XXXX ; XXXX XX/XX/XXXX until XX/XX/XXXX, and Mohela XX/XX/XXXX until current. 

My application has been sent and received by Mohela XX/XX/XXXX. My direct student loans with XXXX have been transferred/consolidated at that time to Mohela as instructed. My loans went into forbearance on XX/XX/XXXX, and were officially transferred to Mohela on XX/XX/XXXX. Payment history from my XXXX loans was not properly credited to my Mohela PSLF application and I have XXXX payments credits for my Mohela application when I should have XXXX payments from between XXXX XXXX Mohela AND another XXXX payments from when loan serviced by XXXX XXXX XXXX and the prior loan servicer before that. XXXX XXXX XXXX is now closed, no phone number and no website. I have called Mohela and XXXX to request prior payment history from my loans that I have been paying for XXXX years. I was able to receive payment history from XXXX for my payments from XX/XX/XXXX until XX/XX/XXXX when they were the loan servicer which I have sent to Mohela but am unable to obtain older student loan payment history in support of my application. This information should automatically be transferred when transferring or consolidating a loan to another servicer. It is beyond frustrating and simply not fair as I have been providing public service to children since XXXX and have been making monthly on time payments on my student loans since XXXX for 15 years while still having over XXXX to pay in student debt. Many thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Capitol One to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
The information thats reported on my credit report by Santander consumer USA, is inaccurate. On XX/XX/XXXX Santander received my regular monthly payment of {$790.00} in addition to a payment of {$15000.00} from a third party, proceeds from the auction of a XXXX XXXX XXXX thats financed through Santander consumer USA. For which they failed to pick up from the police impound after being given prior notice about the auction taking place. And now after receiving those payments, and me notifying them on XX/XX/XXXX about making future payments towards my account balance they went ahead and charged off my account without any prior notice. Which as severely damaged my credit and effecting me from securing future credits/loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: National Credit Adjusters, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I received a debt settlement letter from National Credit Adjusters giving me three different options for settling a debt. I am not 100 % sure what this debt it but National Credit Adjusters reported it twice, as two separate accounts but for the same dollar amount to the credit bureaus. When I received the letter, I selected option 1 and settled the debt for 50 % of the balance and paid {$110.00} on XX/XX/XXXX ( the deadline to pay was XX/XX/XXXX ). 

Since then, National Credit Adjusters has repeated reported the account as being an active debt and has ignored my attempts to contact them for removal ( I've emailed and called as well as disputed the debt via the credit bureau. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Several attempts have been made by myself and my attorney to have a bill paid by the correct party concerning a XXXX. claim, but no solution or correction has been made. XXXX XXXX XXXX XXXX : CP # XXXX names XXXX XXXX, XXXX at XXXX XXXX XXXX. XXXX NJ XXXX attn : XXXX XXXX XXXX, XXXX. as the proper place the bill and collections belong to. This matter has been settled in NJ XXXX court. Letters dated XXXX XXXX, XX/XX/2018, XXXX XXXX and XXXX XXXX have been sent to above mentioned and ignored. Please have this removed from my credit report immediately and placed on the correct debtor. 

Thank you 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 2022-12-14
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a yearly check-up with XXXX XXXX in XXXX XXXX XXXX as a self-payiing patient. I paid for services in advance- else this doctor will not see you. The services rendered were terrible, and she told me 4 times to go and see someone else for whatever I asked her, and she finally sent me off with 4 referrals. For a yearly check-up it was enfuriating that she only looked at the results of my XXXX which I had taken in advance to discuss results. To my great surprise, I get a {$95.00} add-on bill, for her services .... really? I called the office and spoke to the office manager after several attempts to talk to billing about " this mistake ''. I even expected a refund of the {$120.00} plus that I had already paid upfront, since I did not leave feeling that this doctor had even looked at me. Why do a physical, if you are not even looking at the patient???? In any case - the response has been to send the additional {$95.00} to collections. Is this a patience game? I refuse to pay someone more money who was insolent, did not answer any of my questions about my medical concerns, and made me wait for almost one hour in an office, and then had not even checked my medical records before walking in to talk to me. Waste of time - never going back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
opened a savings account yesterday afternoon successfully, but couldn't log in today... website saying " temporary locked ''. Called their CS and verified all my personal infomation, been hold for more than 40 mins and then they told me my account has been permenantly closed, no reason explained! What an excellent bank! Well done!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT - READ THE ISSUE AND REQUEST, THANK YOU. On XXXX XXXX, XXXX I received letters from XXXX XXXX and XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days, however I received a form letter and no contact information for a follow-up. I did not receive a copy of the paperwork requested that shows I opened this account, my signature, and the name of the Wells Fargo rep that assisted in this transaction. PLEASE NOTE : I have also sent MULTIPLE inquiries via email to several financial investors at WELLS FARGO and never received a reply to my requests. 

A Wells Fargo rep in XXXX, CO, XXXX, assisted with my investment request to open a XXXX IRA investment account - number XXXX ( XXXX XXXX ). The Wells Fargo branch rep told me this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers I feel that the branch has deliberately scammed me. Wells Fargo gives me the runaround by every branch I go to and it 's clear that Wells Fargo took my money, is using it interest free, while taking advantage of the fact that they can get away with being evasive. I never received a copy of the paperwork when signing up for this account. I have no paperwork from Wells Fargo about this account except the account number and tax statements. I expect a copy of the paperwork for the opening of this Roth IRA and I expect Wells Fargo to explain why this account was not placed as an investment as requested at the branch upon the opening of the account. Thank you.

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 2023-02-07
Company: EQUIFAX, INC.
State: DE
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 recently filed a complaint in XX/XX/2022 COMPLAINT ID XXXX in which the company replied and the CFPB closed the complaint. However the company is being vindictive purposely suppling false information on my report, defaming my character, and making it impossible to me to extend credit, or move my family out of an apartment into a house. They put and name they are aware that does not belong to me, accounts that are delinquent that does not belong to me and added and address as my address that does not belong to me and put my actual address as and old address. They also deleted all my current and positive accounts replacing them with charged off accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans union allowed XXXX XXXX XXXX XXXX to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. XXXX XXXX XXXX XXXX closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds

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 2022-12-14
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in any way.

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 2022-12-14
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX  sent out the first notification of debt in late XXXX. I received the notice on XX/XX/22 and it indicated I had the right to 30  days for disputing or paying the debt. I received a voicemail from a collector XXXX at XXXX on XX/XX/22 at XXXX indicating he was from XXXX XXXX XXXX  and requested I give him a call at XXXX. He did not mention he was attempting to collect a debt in the voicemail so I returned the call at XXXX. He advised who he was and that he was attempting to collect a debt for my utility bill and asked if I wanted to set up arrangements. I advised I was still within my 30  day window for dispute so he was harassing me by calling before that time was up. He apologized and hung up.

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 2022-12-13
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX & I, we had Account # XXXX with XXXX XXXX, by the end of 2016, my husband XXXX. And we begin the process of Declaration of Heirs. When we had the Declaration document and all the heirs were present, we visited the Bank branch, but we could not complete the process, because the declaration was missing some XXXX stamps. At that moment we asked the XXXX to process the check, take the signatures of the heirs ( XXXX of them reside outside of XXXX XXXX XXXX, to retain the check, until we came with the stamps on the declaration, but they refused this request. and said account would remain inactive ( frozen ). But the claim is that if said account is inactive and nothing could be done until we could return with all the heirs present, because XXXX XXXX  continues to make monthly charges, profiting and decreasing my funds, which belong to me. At the beginning of this process, the balance was for {$1700.00} and currently owes it for {$1000.00} ( XXXX ). By XXXX, the claim was made to the Commissioner of Financial Institutions of PR, but they told us that they did not have jurisdiction. I understand that it is not fair, that if said account is frozen, it should be for both parties, and not XXXX XXXX, profiting from my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Integrity Funding Ohio, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a {$750.00} Loan on XX/XX/18 from XXXX XXXX XXXX XXXX ( XXXX ) I made two payments as of XX/XX/18. 

First payment made was on XX/XX/18 Second payment made was on XX/XX/18 My balance on this {$750.00} loan is {$810.00} as of XX/XX/18. How can this be after making {$360.00} in payments? The balance is going up! Highway robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has repeatedly done different tactics to drastically lower my credit score : First tactic, they continue to delete this debt from my credit and then resubmit it as a new debt. If causes a nine point drop each time they do this. This occurred XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several other times. 

Second tactic, they continue to add interest to the loan every week. Ive attached proof, please review all the interest from XXXX to XXXX. 
XX/XX/XXXX, for {$8.00}, XX/XX/XXXX, for {$2.00}, another {$2.00} on XX/XX/XXXX, and on XX/XX/XXXX, another {$2.00}, and XX/XX/XXXX, {$1.00}. This totals : {$19.00}. This collector knows each time they add even {$1.00} my credit drops at minimum 4 points. 

Lastly, this debt is for a balance from my old apartments. Its not an eviction debt but an excessive cleaning bill debt that Ive tried reducing but they refused. I was notified by my current landlord that this company contacted them and explained I left a debt with them and theyre concerned I will do the same with this company. My landlord has minimally threatened not renewing my lease based on this phone call. It is unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
In accordahce with the Fair Credit Reporting act XXXX XXXXXXXX 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 In accordahce with the Fair Credit Reporting act 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 In accordahce 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 In accordahce 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce 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 In accordahce with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation