BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, I am filing a complaint against my federal student loan servicer, MOHELA. My student loans have been serviced by MOHELA for a number of years now and I have consistently made my payments which has recently increased to {$780.00}. When I enrolled with MOHELA for online payments, I provided my cell phone number as the means to contact me and I have not changed that number, nor have I given MOHELA any indication that my cell phone number was not the best number to reach me at. I have called MOHELA from that number, as well as received calls from MOHELA from that number. On Thursday, XXXX XXXX, 2016, when my loan was only 21 days past due, MOHELA call my in-laws and left a message about my student loans at their residence. Of course my in-laws immediately called my husband to inquire as to what was going on and whether my student loans were behind, which is clearly none of their business. I immediately called MOHELA and spoke with a representative. The representative indicated that while my cell phone number was still listed as the primary number, that my in-laws phone number had been added through skip tracing. I was horrified that MOHELA would have gone through skip tracing measures on a 21 day delinquent account and when there was already a good number on file. I have never lived at my in-laws address, nor have I ever been associated with their phone number. I am in-house counsel at a mortgage company and I understand fully how this process works. My situation did not warrant the measures MOHELA took. MOHELA has violated the FDCPA by communicating with a third party about the collection of a debt without my consent. I demand that MOHELA pay me a civil penalty in the amount of {$1000.00} that I would be entitled to if I brought a civil action against them, which I would not hesitate to do. At this time, my student loans are current. The {$1000.00} can be applied towards my XXXX payment and the remainder towards my XXXX payment. I also demand that my account be coded to avoid any further skip tracing. Skip tracing is not necessary, the number I have provided is the correct number, and the status of my student loans is nobody else 's business but my own. I am a full time working mother and would like to avoid the need to pursue a civil action, but if this matter is not resolved as requested, I will not hesitate to file XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
I have not requested or authorized XXXX XXXX XXXX or XXXX XXXX XXXX credit to make any inquiries into my credit file

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 2022-05-24
Company: EQUIFAX, 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:
Went to car lot they said they would run my credit with one bank they ran it with alot of banks 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 XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Resurgent Capital Services L.P.
State: WA
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:
There is a collection account on my credit report that is a result of identity theft. They will not delete even though I have send in FTC identity theft report and police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled my credit report and noticed the following errors hurting my credit and good character. I know it is my write to dispute this inaccurate information and have a reasonable investigation performed to remove the item. 

XXXX XXXX Account number ( XXXX ) ( XXXX ), Delete this charge off because you are reporting the date of last active, Transunion as XX/XX/XXXX XXXX as XX/XX/XXXX. also the account numbers are different on each report. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX  XXXX Account Numer ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX XXXX  Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

attached is a copy of my credit report highlighting the inaccuracies noted above regarding 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 2022-05-24
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase direct from bestbuy.com Order was over XXXX they should have shipped signature only. Our home has a sign that states to NOT leave packages on the front porch. XXXX XXXX claims they delivered package but package was not to be found. Citibank is the credit card backer and per our own rights as a consumer, the shipper would be responsible for any claims against XXXX. Both companies are trying to push it off and make me contact XXXX which I have an XXXX stated I can not file a claim. I am currently out of XXXX and the attitude and disrespect from citibank and best buy is ridiculous

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 2018-03-21
Company: Bread Financial 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: Account information incorrect

Complaint:
XXXX XXXX Accounts- XXXX XXXX, XXXX XXXX XXXX and catherines accounts are incorrectly showing balances. Attempt made to correct with XXXX XXXX unsuccessful. Account balances are all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX XXXX  Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 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 non-monetary relief
Consumer complaint received 2018-06-03
Company: Experian Information Solutions Inc.
State: AZ
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:
My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX   XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously submitted the below complaint re : TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX corrected it & TransUnion has not. I need them to correct it as well. Here is the complaint : I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent ( XXXX XXXX, a XXXX XXXX ) erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XX/XX/2020 In XX/XX/2020, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX by phone, I was made aware of the error In XXXX of XXXX, I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/2020. This resulted in a XXXX point credit score drop across all 3 reporting agencies. Since then, I have been in telephone contact with XXXX disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX, XXXX XXXX TransUnion, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.

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 2017-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received enough information to verify the debt. I have repeatedly requested proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I woke up this morning with a credit alert in my email. The alert was from XXXX about an account by Ability Recovery Services. The original debt supposedly was from XXXX XXXX. They are claiming I owe {$1200.00} from classes? I dealt with these people years back, before 2012. I had cancelled the program. Now they contact me 5 or more years later and just listed this on my credit report. Its interesting to note that this is the first time I have ever heard of this. I would like to see proof of my original signature and other information to prove this debt is mine. Like I said, years ago I had contacted them about a program, but cancelled it because credits would not transfer to a state university. I was XXXX with a XXXX XXXX in 2012, and know I would have not signed up for a school program. Half the time, a can not even see to read books and other information. XXXX XXXX was also involved in a class action lawsuit for deceptive and misleading conduct. Maybe the governement should look into the relationship between Ability Recovery and XXXX XXXX. I think they are trying to scam people. Do the research, it is all over the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: First National Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: AR Resources, 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 accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2015-06-25
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine and has previously been removed from my XXXX Credit report. This company " Commonwealth Financial Systems " continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by Commonwealth Financial Systems to be mine, but both companies Commonwealth Financial Systems and XXXX have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. Commonwealth Financial Systems need to be held accountable for their false reporting of collection accounts. I am requesting Commonwealth Financial Systems provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When Commonwealth Financial Systems fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with Equifax on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If Commonwealth Financial Systems denies this I can download proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and Commonwealth Financial Systems needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all three of my credit files where it is listed XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/XXXX, I emailed my mortgagor ( GMFS ) because, without written notification, escrow analysis or warning, I was told verbally over the phone that my mortgage was increasing by $ XXXX  month. 

Five days later, I still hadn't received a response. I resubmitted my question, and received an email from GMFS telling me to call the servicer, who I had already had spoken with over the phone, and who couldn't provide me with any additional information as to the increased mortgage amount. My mortgage is now due in one week, and I still haven't received updated information or an escrow analysis. 

I've included the contents of the email in its entirety below. 


On Fri, XX/XX/2018 at XXXXXXXX XXXX, XXXX XXXX XXXX wrote to XXXX : Yesterday I received a call from a representative who said he was from GMFS. 
It turned out that he was actually employed with XXXX XXXX XXXX. 

During our call, which was to notify me of a change in servicers, the representative mentioned that my next payment should be made to their company, and listed an amount that is {$500.00} above what I am currently paying ( and which is due in less than two weeks ).

1 ) Please send me an escrow analysis immediately.

2 ) Please provide for me in writing information as to whether GMFS is affiliated with XXXX XXXX XXXX, beyond the contractual agreement of servicer and mortgagor. 
3 ) Finally, if the updated loan statement amount shared by the representative during our call is accurate, I want to apprise you that I plan to file a complaint with the CFPB. This payment is less than two weeks out from due, and I have yet to receive a loan statement, escrow analysis, or any other information providing me with adequate notification of a pending significant increase, or the nature of the increase.

I realize that Federal law bars late fees during the 60 day period following the effective date of transfer, but the complete lack of notification of such an increase is inexcusable and creates significant hardship on the homeowners that GMFS serves. 

Best, XXXX XXXX Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: NC
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Rozlin Financial Group, Inc.
State: GA
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:
I had a pre-approval for a home loan through the GA XXXX XXXX  but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 
XX/XX/2020

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I signed up for a loan through Big Picture Loans on XX/XX/XXXX in the amount of {$800.00}. I was told and was under the impression that I would receive a one time finance charge of {$280.00} for a total repayment of {$1000.00}. I made my first payment on XX/XX/XXXX and went into my account today XX/XX/XXXX to check the remainder of the balance. The amount had n't changed so I looked into it further. I came to find out that the total finance charges are going to be over {$6000.00}! If I had known that this was going to be the case, I NEVER EVER would have agreed to the terms. The finance charges alone are more than my monthly car payment! I am a single mother of XXXX that does not make much money. There is no way this can be right! Please help!

Company response to consumer: Closed with explanation