BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-02
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is with regards to XXXX/Mohela account # XXXX. 

Last month I refinanced and consolidated XXXX of my student loans into XXXX. In doing so, XXXX estimated the payoff $ amount, which ended up being {$120.00} higher than what was needed to pay off the old/refinanced loans and caused the loan balance to turn negative by this amount. On XXXX/XXXX/2016 I sent a written request to XXXX/Mohela through the message center on their website, asking them to promptly refund me the overpayment. They replied on XXXX/XXXX/2016 and said, " Thank you for contacting MOHELA. According to our records, you will have a refund in the amount of {$120.00}. We will initiate the refund process 21 business days after the date the payment posted to our system. After the waiting period has passed, a check will be generated and mailed within 2-3 business days to the address on file. If you have any questions please contact MOHELA XXXX XXXX at XXXX or via secure message. '' I was very upset about this response, because XXXX/Mohela 's practice of requiring such a waiting period and not refunding the overpayment is hurting me. Effectively I am paying interest on the overpayment, which is in the form of the new loan, while not getting the benefit of the funds. I believe that XXXX/Mohela has such a practice in order to maximize their liquidity at the detriment of the little guy - the student loan borrower. Why should they have a right to my cash? They have the administrative power to process extra loan payments within just a few days - why do n't they refund within just a few days? 

I responded to XXXX/Mohela 's response on XXXX/XXXX/2016 and explained the above as well as re-requested a prompt refund. It is now XXXX/XXXX/2016 and I have yet to hear back from them. I am concerned not only for myself, but also for the many other student borrowers who are being harmed by this practice. They should promptly refund any negative loan balances!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Summary : There is a default judgment on my XXXX credit report for a defaulted credit debt that is not my debt. How do I remove it? 

This complaint concerns XXXX businesses : XXXX XXXX XXXX XXXX XXXX ( credit grantor, wholly owned by XXXX XXXX , XXXX ) Midland Funding LLC ( collection agency assignee ) The Law Office of XXXX XXXX XXXX, XXXX. ( legal reps of Midland Funding LLC in debt collection civil litigation ) In XX/XX/XXXX, I was served notice of pending legal suit for a person named " XXXX XXXX XXXX XXXX XXXX XXXX. '' I am not this person. I have never used either name to apply for credit. My name is similar. I was served at my residence. 

Attorney XXXX XXXX mailed to my residence 2 letters seeking settlement of a defaulted credit debt in XXXX XXXX ( prior to suit ) and XXXX XXXX ( after filing suit ). He represented Midland Funding LLC, a debt collector assignee of credit grantor XXXX XXXX. XXXX. XXXX XXXX ( XXXX XXXX ). In XXXX XXXX, Midland Funding mailed a letter to my residence informing me for the first time the existence of this debt. 

I answered the complaint with an affidavit denying all allegations in the complaint, including that I was not the defendant. They served the wrong person. Apparently, a default judgment was entered in XXXX XXXX. Shortly thereafter, the judgment appeared on my credit report. 

I want to get it removed. 

How do I do that? 

Do I have to file a motion to vacate with the court, even though the name on the judgment is " XXXX XXXX, '' not mine? Can the judgment be vacated because the real debtor was never served? 

Do I contact the attorney XXXX, who I sent my certified mail my sworn affidavit denying it was my debt? 

Do I contact Midland Funding, the debt collector? 

Or do I have to go to the original grantor of the credit and dispute everything? 

Should n't Midland Funding, and its Attorney XXXX, be held responsible for ruining my credit possibilities ( I 've been turned down numerous times because of this error )? The judgment is for {$4100.00}. 

Thank you for whatever help you can provide in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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 2016-03-18
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Issue: Payoff process

Complaint:
I opened a " charge card '' with XXXX XXXX. The deal is you pay an annual fee, but there is no interest on the account at all because you are required to pay it in full every month. I love this because I do not want to support the credit card industry since it is so vicious and gets people in debt. I myself have never had any debts problems before, but in general do n't like the idea of debt or other people having debt. I thought this " charge card '' was a novel idea and the middle ground between a debit card and credit card. Well after having the " charge card '' for a little over 2 months they add a " Pay it Later '' option which is effectively making it a credit card. Why does this company ruin a good thing? A charge card should be a charge card and a credit card a credit card. I feel deceived that the account I opened and was happy to be forced to pay in full is now encouraged me to Pay It Later and is just another credit card. Completely twisting what the charge card is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
on my credit report it shows that i have a open collection with MIDLAND FUNDING LLC for the amount of {$910.00} this was part of my Bankruptcy and should not be listed as open

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
debt collection by phone and now by mail. I have repeatedly explained to the caller I am not the person and do not know the person w/ the name similar to mine. They keep calling daily and now letters are being received. States It is a student loan debt from XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: FL
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 obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I went to the local bank in turlock to talk about a possible scam on my account. They sent me a. Letter saying that I had made that payment myself so they accepted the XXXX transfer to a different account.. I have been on hold multiple times by the bank and nothing ever gets resolved. I got scammed and he gained control of the online payments. And reversed them. So now I'm backed up in my payments after paying him in crypto and helping him get back. I realized he was lying about the whole thing and gained my confidence and friendship through out months. He was supposed to come back to the US in XX/XX/XXXX but is now demanding more money saying he dint Meet the agreement he had with the lawyers out there in that country. He sent me a picture of the demands. He was very demanding and was definitely a professional scammer. He made a bunch of transactions I was not aware of.

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 2021-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i recieved a letter from XXXX XXXX  XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk  from there file. i sent the same letter to XXXX and Equifax. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the Bk from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with XXXX  and equifax. i received a letter from equifax XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called Equifax in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: RI
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( XXXX ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2021-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
these transactions occured on XX/XX/XXXX when 2000 withdrawal was made in one day from all non chase ATM. At other times it was money being transfereed from between both of my accounts then withdrawn. I have reported unknown transactions they credit my account then to write me and say i owe them. there is no possible way 2000 $ was withdrawn from ATM. My account was hacked and thousands was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Why did XXXX XXXX ( Credit Agency ), take off the $ XXXX-Dollars, ( for a PARKING FEE LATE CHARGE OF MY VEHICLE ), as I had & was told by my Daughter, that SHE had picked-up HER CAR. ( as I had given my Car to her ). *IN THE PAST I HAD GIVEN MY DAUGHTER XXXX-Other Cars ... .. ( SHE HAD ALWAYS GOT THEM, in the past ). I was in the XXXX, & thus had NO WAY OF KNOWING if in fact the Car had been picked-up by her? 
SHE TOLD ME SHE GOT THE CAR, I HAD GIVEN HER. 
WHY DID XXXX XXXX XXXX XXXX, take this ( XXXX ), off of MY CREDIT REPORT ... ... AND EXPERIAN DID ''NOT ''? 
Thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I used my American Express Bluebird ( Card # ending in XXXX ) prepaid card for a one night stay at the XXXX XXXX in XXXX, Nevada that required a {$50.00} deposit on my card. During my stay I never used any amenities that would require a deduction from that XXXX deposit. In addition I had also spoke with the Front Desk Manager who had confirmed that the funds were released in XXXX increments. I have only received one of those XXXX increments and the other XXXX increments is still on hold currently since XX/XX/2016. I spoke with a " XXXX '' a call center supervisor on XX/XX/2016 in regards to this matter and He advised that they have the right to hold on to the funds as needed?? I have filed a complaint with the FDIC, the FTC who then sent me a link to the CFPB to file a complaint in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WE have for over ( 4 ) four yrs been trying to obtain a Mortgage Modification from Wells Fargo Bank. ( Please see attach History ). 
Thousands of Documents have been sent to wells fargo Bank. 
Two direct intake meetings with wells fargo Representatives. Received all requested Doc. 
Hundreds of phone calls, Fax, Mailing It was not until XXXX XXXX XXXX got involved that the documents were expedited to the underwriter 's. 
The underwriter 's through to Wells Fargo preservation specialists requesting many adding documents pertaining to my wife 's income verification which we supplied to them We just received XXXX letters from Wells Fargo that we were being denied for home modification loan because of my wife and I combined gross income??? ( See Attach ) We contacted our preservation specialists at Wells Fargo, who knew nothing about Us being denied a modification. 
We were revise to requests an appeal based on the incorrect amounts. After four years of documentation sent to Wells Fargo, I ca n't comprehend how they would have the wrong totals send in a request to appeal with supporting document. We completed the form and fax back to Wells Fargo. Then Mailed ( XXXX XXXX, XXXX ) The following documents listed below to verify correct total gross income amount. 
1 ) Complete Income Verification : A ) Spreadsheet total income past 26 months bank statement B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) C ) All XXXX sales 24 months D ) XXXX statements 24 months E ) P & L statements XXXX, XX/XX/XXXX, & XX/XX/XXXX F ) XXXX 's Income taxes XXXX all scheduled XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX G ) My Wife XXXX Past 18 months of Pay Stubs H ) XXXX income taxes XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I ) Confirmation letter contribute for my wife XXXX J ) Household expenses Paid bill for past 12 months K ) history Journal past four years documents sent to Wells Fargo. 

We have been inform from the Lawyer that he was told over the phone that are Appeal now has been denied, I 'm just do n't understand why? if the totals were are wrong, Why would n't you want it corrected? 
I still feel that Wells Fargo bank, created this foreclosure by after 11 years changing our monthly mortgage, By doubling monthly mortgage payment, but without notice determining that we need in escrow account : started???

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 2016-01-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted CFPB two years ago about how Bayview is extorting me every month. For 2 years they contact Bayveiw that, regardless of documentation and facts, says 'no we 're not ' and this useless agency CFPB sends me a copy of this jibberish response as if they added some value by copying and sending to me. CFPB has proven to be useless, ineffective and a monkey with a copy machine could serve me better for all CFPB does or cares. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am reaching out in reference to an account on my report that Affirm Inc. has furnished. Under the FDCPA, a closed account can not have a late payment on it. That is a violation!!! Furthermore, I mailed in a dispute letter on XX/XX/2021 asking to furnish the original contract with my signature showing where I as the original creditor signed off on this. I never heard anything back. 45 days later, I sent in a 30 Day Demand of Comply, and still never heard anything back. Under the FCRA, the failure to provide me with the documentation I requested is an automatic deletion from my credit report. Aside from that, being that no one responded back within 45 days with nothing- under federal law that is also automatic deletion from my credit report! At this point, I will be seeking litigation if this account is not deleted because there have been way too many violations occurring as the consumer and original creditor. 

Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I used Experian 's website to receive a credit report for {$1.00}, but my credit card has now been charged for XXXX months of Experian 's services at {$21.00} per month. I never agreed to obtain a " membership '' to Experian or to pay a monthly service fee for that membership ; I never received any communication from Experian to inform me I would be enrolled as a " member '' and that I should expect to pay a monthly fee of {$21.00} ; and I never saw any information about these pending charges on the Experian website when I obtained my {$1.00} credit report. When I spoke to someone at Experian, she stated that she can only refund my credit card for one month of the billing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
After requesting validation from XXXX XXXX and receiving no response I pulled my credit report. On XXXX/XXXX/XXXX XXXX XXXX account XXXX balance was deleted from my credit report. However on XXXX/XXXX/XXXX the XXXX XXXX account reappeared on my credit report as account XXXX. 
I received XXXX from XXXX XXXX XXXX. XXXX/XXXX/XXXX sent dispute to Experian regarding invalidated debt reappearing on my credit, duplicated account and cancelled debt being reported. As of today I have not received a response and credit report pulled XXXX/XXXX/XXXX still shows duplicate account along with debt balance for which I paid federal taxes on.

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