BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I turned in my Public Service Loan Forgiveness information early last year and had to consolidate with XXXX. XXXX moved to Mohela. I have been working for the XXXX XXXX since XXXX of XXXX constant employment. Prior to having to consolidate for the loan forgiveness waiver, I only had 1 servicer which was XXXX which I paid and have history on payment since XXXX ( before PSLF even started ). Between Dept of Education and Mohela, nobody is processing the remaining payments I have and it's been nearly a year. BOTH the DoEd and Mohela should have my entire file and payment history, my employment has been certified already and my payment tracker has been stuck at XXXX since before mid XXXX. I do not get responses beyond they are working it, I have had complaints with the dept of ed that were closed without resolution and supposedly I had to file a reconsideration ( which I shouldn't have had to do ) but Dept of Ed approved that and said they adjusted something that I have never seen. On the flip side, on a XXXXXXXX page for this topic, multiple times a day there are people posting hundreds of thousands of dollars worth of loan forgiveness for themselves in files that were submitted much longer after mine with me having no resolution. I do not know if Mohela is incentivized to process large value loans first ( I have $ XXXX ) but there is no reason I should not have been processed yet. One employer, one payment history back to XXXX with the entire XXXX payment history uploaded to XXXX and dept of education who has a hand in this. I should not be a year later and still waiting on my payments to post and have forgiveness when I am over payment and over the time period required for forgiveness. Please help. It was stated early on that those of us in the public servant arena with the 120 payment already done would be processed first, yet a year later, no forgiveness and no status, DoEd closes complaints without resolution and supposedly nobody knows anything about my file. I am either being ignored since I filed complaints or I am because I do not have over 100K in debt to forgive. Either way, please help. I put in my time, I should have been easy, I had no issues and always paid

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 2023-03-08
Company: United Shore Financial Services, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The property is a condominium. The building has its own flood insurance which it is updated in my mortgage provider 's system every year ( UWM ). 
This year they decided to purchase flood insurance for me despite the fact that I already have insurance. I have been calling them every week, sending them proof of insurance and all the documentation that they request, but they keep charging me an extra {$320.00} every month. 
I don't know what to do. If I don't pay it could affect my credit, but they are not paying attention to me or my complains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
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:
Eastern account systems just responded to a complaint here/ Im adding it all They claimed to YOU a government agency that they are asking for XXXX from me. 
They just lied to you. Oh my credit report they have it listed as XXXX. Im adding that as well. Since when can a bogus company lie to a government agency See attached

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This account never authorized by me and is a fraudulent account : XXXX. XXXX XXXXXXXX XX/XX/2015 Amounts of : 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 2022-12-22
Company: EQUIFAX, INC.
State: SC
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:
This account never authorized by me and is a fraudulent account : XXXXXXXX XXXX XXXXXXXX XX/XX/2015 Amounts of : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to PAANL status paid as agreed never late according to consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I heard about the Wells Fargo payout and wanted to see if I qualify. I had a car loan and account through them in 2017

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 2022-11-28
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: Information belongs to someone else

Complaint:
I submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the criminal added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This situation is over a leased cellphone buyout from XXXX. I overpaid for my leased phone and wanted that overpayment to go to owning the phone. I gave them excess money and cant even get a refund for it. I decide to cancel my service. I request a return package to send my phones in. When I finally received it I returned the phones and moved on with my life. Next thing I see is a charge for the full amount for the phones. I call XXXX up and verify they received the phones before asking if I owe anything. They look it up and see the phones were received I said ok cool and hang up after confirming my account was cancelled successfully. This XXXX bill saying I owe them for the phones must have been an error. I later receive a collections flag on my credit, I found out by getting denied on a credit application pull. I contacted XXXXXXXX  shortly after about this issue and they confirmed that the phones were received successfully and I should not owe anything. They said they will contact the collections agency about this, and call me within 7 days. ( I recorded the conversation as well. ) they never called me back. Their verification is inaccurate and they are making me responsible for a debt I do not owe, and tarnishing my credit at the same time.

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 2023-07-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Just checked my Citi card and saw they decreased my limit from XXXX to XXXX. They sent no letters there is nothing in my message center and I have never paid late so Im not sure if they think theyre going to charge me outrageous interest rates to now put me over my limit bc thats what it looks like is going to happen Im left with XXXX. They could have at least bc I always paid on time gave me a notice I know they dont have to but with their high interest they are now going to put me pretty much over the limit and then what charge fees on top of that?

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 2023-03-09
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I am asking that the following inquiries are deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2018-07-05
Company: RS Clark and Associates, Inc.
State: TX
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:
Consumer Financial Protection Bureau ( CFPB ) Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, on my credit report, which R.S. Clark Associates claim I owe them {$120.00}. I sent certified letters On XX/XX/2018 and XX/XX/2018 requesting that R.S. Clark Associates send " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They sent a printout of a bill where some of the information had been cut off and my signature nowhere on the printout. 
I sent them this information regarding the FTC opinion letter from Attorney XXXX XXXX XXXX, stating that a printout of a bill or itemized document does not constitute verification. They could not send any contract with my signature on it. 
I have attached the last letter that I sent to them and the printout statement that they sent to me. Please have them delete the information from my XXXX and XXXX  credit reports. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting you this Complaint via CFPB to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$2500.00} US DEPT OF ED/XXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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:
Experian keeps placing this XXXX account on my credit report. They have a numerous occasions ignored the enormous amount of proof that this account does not belong to me and they keep removing it from my credit report and putting it back on which is a violation each time they have done that. I have sent in affidavits police reports the act took place in another state that I have never lived in. The transactions were done in another state. I have irrefutable proof that it was not me, but I am still being damaged by the incorrect and I erroneous information. XXXX has verified with an email that I don't have an account with them. I contacted them to let them know that I was declined due to their company being on my report and they responded with an email saying that they do not have an account under my name I want this account removed from my credit report immediately.

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 2018-07-05
Company: Maximum Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out a XXXX title loan on my car XX/XX/2018 with a 60 day no pay. They sent me an email on XX/XX/2018 stating that my payment was Due XX/XX/XXXX, I called them immediately to discuss why there was a payment due they then said Oh our mistake you are on a 60 day no pay your payment isnt until Due XX/XX/XXXX, then 3 days later I receive a text message saying my payment is past due the 2 seconds later I receive another text message saying please disregard you have a 60 day no pay. Then Today XX/XX/2018 my step daughter receives a call from them saying I am behind on my title loan and I need to pay them. I called them again to verify and was told I have to pay the payment now and I am behind, I explain I was told I had a 60 day no pay they then said let me call you back I need to talk to a manager, then 2 hours later I call back and I was told I have a 60 day no pay my payment is due XX/XX/XXXX.. then 3 hours later I get another call from the supervisor stating my payment is was due XX/XX/XXXX I explained I no longer had the money to make the payment as I was told that i had a 60 no pay if I have to pay now can I pay when I get paid in a week and she said I was told wrong information and I have to pay now or It will be a felony and they are going to call the police and take my car ... I made calls to them and I have returned everyone there calls each and every time and they are continuously calling my employer and all my references and giving them information on this loan which I never agreed to have them give my personal information and since I have been in touch and reachable why are they allowed to call every reference and my employer giving them details on my loan? The company is Maximum Title Loan LLC in XXXX AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident at The XXXX XXXX  in XXXX, TX from XXXX XXXX of XXXX. When moving out of this complex, I was told that there were no charges that needed to be paid before moving out by the property manager. In XXXX of XXXX, I received an email from The XXXX XXXX  stating that I had a balance of {$690.00} that needed to be paid, which included false charges as in rent and late charges. I then proceeded to contact the apartments, but never got a response. I also contacted XXXX XXXX, which is the property group that owns The XXXX XXXX and I never got a response from them either. A couple months later in XXXX, I receive a notification from XXXX XXXX stating that there is a collection on my credit report for {$690.00} by ProCollect agency from The XXXX XXXX  ( XXXX XXXX ). I was not able to take care of this collection at the time because of a family loss. At the end of XXXX, I drove to the XXXX XXXX corporate office in XXXX and demanded to speak with a regional manager because of the collection taking a toll on my livelihood and after multiple attempts of contact with no response. Later that day, I received an email from XXXX XXXX, who is a regional manager for XXXX XXXX. In this email was a re-finalized statement with all charges dropped because of them being false. I have disputed the collection with all credit bureaus, including ( XXXX, XXXX, XXXX, ProCollect Agency, etc. ) and only XXXX has disputed this collection off of my credit report. I have tried countless times to remove this collection from my account and nothing is working. It has been months and I absolutely can not keep living with false charges on my account with no one wanting to help me.

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 2023-04-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This XXXX, I decided to close my XXXX Comenity credit card. I had a balance of {$64.00} and paid it in full on XX/XX/XXXX. I then contacted their customer service and requested that my account be closed as soon as the payment posted. I received confirmation from them that they would be closing the account. 

I checked my account the following day and saw that the payment was posted and my balance was {$0.00}. I also received a letter from Comenity dated XX/XX/XXXX confirming that my current balance was {$0.00} and the account was closed. 

A few weeks later, I received a bill from Comenity for a {$40.00} late fee and {$2.00} interest charge. They are claiming that the fee was charged on XX/XX/XXXX which contradicts their confirmation on XX/XX/XXXX that my account balance was {$0.00}. So essentially they charged me this fee after I had made my payment in full and after they confirmed that the account was closed.

Company response to consumer: Closed with monetary relief