BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-02
Company: AES/PHEAA
State: PA
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:
my loan started in XXXX with aes. i defaulted in XXXX i then setup payment arraignments. Two payments twice a month for three years was withdrawn by aes. they claim they were not the ones who withdrew the money. i provided bank statements as proof. i have accrued thousands of dollars in fees and interest. when i cal, the customer services representatives are have been rude, unknowledgeable, condescending and confusing. after all this, i owe as much as when i started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 


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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-14
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My identity was stolen online. Charges are being made to my PayPal which draws from my bank. They have my drivers license # and necessary info to make charges to my PayPal account that appear to be authorized. Untrue. I can not close the Paypal because they have an existing amount pending as soon as funds are available in my bank account. The transactions were made through PayPal on XXXX the name used on both charges of {$440.00} and {$450.00} XXXX XXXX XXXX. The XXXX was taken out of my bank account on that date. The account was drained and the other charge awaits. because they have the existing charge I can't close the PayPal to stop them. I have notified my bank and they are working on reversing the one charge and then we will close my bank account. But Paypal needs to close my account those charges do not continue. They posed as the security system on my computer so I let them work remotely on desktop computer. they said I was going to get my annual fee returned because of Covid19.  I thought since they knew my fee they were legit. In the amused process they claimed they were having difficulty depositing into my bank, so they took me through PayPal and XXXX XXXX which needed a copy of my Drivers License which I sent email picture of. They posted {$2000.00} to my bank account which I could see and they sent a printed copy of to me via my printer. Themn I was supposed to purchase giftcards for XXXX each on different credit cards and I could use that XXXX to reimburse the credit cards i would us. Only my debit card was used to buy a XXXX XXXX gift card for XXXX. I gave him the number of the card. when I got back home none of {$2200.00} could be seen in my bank account. They had me believing that my computer was under threat from four countries so my security needed to be changed for each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells fargo took back a merchant credit and closed my claim due to " Reversal of Excess Credit Due to Merchant Credit Claim '' but never once contacted me regarding this. The supposed " merchant credit '' was a refund from a separate purchased on a completely different debit card. I've contacted them every day for the last 2 months and have never received a call back or been able to speak to any agent that could help. 

I've also contacted corporate and filed at least 3 complaints and still have not been able to speak to anybody who can help. 

Dispute date : XX/XX/20 Dispute amount : XXXX Actions taken by company : They never ONCE called me to ask for more info or anything telling me they didn't need info. I provided all receipts for returns of the items emails and even tracking # s to prove that I did in fact return the merchandise and was not credited. Its despicable that I haven't been able to get an agent on the phone who could help for well over 2 months and at this point i'm at a loss for what to do.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
experian, XXXX, and transunion all have reports of collection accounts my son took out and has it under my name as we share the same name. These are not my accounts and were taken out fraudelently

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 2020-08-15
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Target XXXX XXXX which is their credit card. At one point, I had 2 linked checking accounts for online payments. I closed one account last year and removed it from my linked accounts. I have been making regular online payments with my linked account since then. Last week on the XXXX and XXXX, I made 2 online payments. I got notified, yesterday, that one payment was returned as NSF. I called the only line that helps with XXXX issues, which is based overseas. The agent insisted I made a payment with the old checking account even though he admitted I only have the current account linked.They would not admit they had some glitch that caused the malfunction. Today, I logged onto my app and found a second payment, on the XXXX, had been returned. I called the same number and a supervisor blatantly accused me of using the old closed account to try to pay the balance. I have tried 5 other numbers and an online chat only to be sent to the same overseas customer service They have all admitted I have only the active account linked but insist I am the one magically making the old account be submitted. I did no wrongdoing and am adamant that I should not be paying return fees for this since I did not even have the option of selecting this old account in my payment options. It seems like a scam and Target is employing customer service agents that are promoting fraud. They know I couldn't have done this but are penalizing me because they don't want to find out how this is happening when it shouldn't be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts on my report I do not recognize

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 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-24
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I requested mortgage forbearance from Huntington Bank for XXXX XXXX hardship under the CARES Act several times but the forbearance department and customer service told me that it is too late to request forbearance under the CARES Act. I called XXXX XXXX and I was told that both my mortgages qualify for forbearance and related relief under the CARES Act and the bank gave me incorrect information. I called the bank back and informed them what XXXX XXXX said but the bank still did not change its position. It also said it would have a supervisor in the forbearance department call me back but no one ever did, except for someone in customer service who was not helpful at all. I have two mortgages with Huntington Bank and I received the same incorrect information for both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Good evening, I hope you can assist me with an unfair practice by Comenity Capital Bank. 


The XXXX XXXX credit card account was opened with a promotional deal of no interest for six months in XX/XX/XXXX if paid in full. In XX/XX/XXXX, I stopped the automatic payments as I made the final payment for one other purchase made in XXXX. I received a message that my bill was due. I was surprised and reviewed my XXXX statement ; the interest of {$750.00} was added. 
How could this be? The promotional offer on the initial purchase of {$15000.00}, I called and spoke with customer service on XX/XX/XXXX. I was not pleased with the representative 's explanation. I next talked to XXXX # XXXX, who said I should have been reading page 1 of the monthly statement. I do not understand how a promotional offer would be changed. I asked if there was anything that could be done ; XXXX said it the interest could not be waived. It is unfair at the end of this period to then charge me the interest as though I haven't paid my bill. 

This evening XX/XX/XXXX -- I did call back the customer service and spoke with XXXX # XXXX to inform the bank that I will be disputing the interest charges. 

My contact information : XXXX XXXX XXXX cell phone XXXX email My wife is XXXX XXXX her cell phone number is XXXX and her email is XXXX. 

Thank you in advance for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance on XX/XX/XXXX with Quicken/Rocket Mortgage. Rate was locked at 2.75 % with XXXX points which was going to cost {$7300.00}. Rate lock was for 60 days ( expired on XX/XX/XXXX ) given I had a HELOC which was going to require a subordination agreement between my HELOC lender ( XXXX XXXX ) and Rocket. I submitted all requested documentation in more than a timely manner ( usually same or next day ). The loan was conditionally approved on XX/XX/XXXX. Appraisal was received back on XX/XX/XXXX. My HELOC lender said Rocket was waiting on title work as of XX/XX/XXXX and hadn't yet done anything related to the subordination. Per emails with my HELOC lender, they did not receive a subordination package from Rocket until XX/XX/XXXX, which was four days after my initial rate lock expiration date. I had to become involved on several occasions to ensure the rate lock was extended. Rate lock got extended to XX/XX/XXXX and again to XX/XX/XXXX. I was constantly checking in with Rocket as the process was moving horrendously slow, through no fault of mine or XXXX XXXX 's. I checked in with Rocket on XX/XX/XXXX, prior to the rate lock expiration, and the originator told me " the underwriters will handle the situation so it is taken care of ''. Well, Rocket did not extend the rate lock and I inquired about it on XX/XX/XXXX. The originator said " we will be able to take care of this for you when the underwriters have completed the necessary steps on their end. No need to worry it will be taken care of ''. The originator also told me on XX/XX/XXXX that " yes ... we extended the rate for you ''. Come to find out, this did not happen, and XXXX XXXX  to re-lock the rate in a new higher rate environment. The new re-disclosure dated XX/XX/XXXX has me locked at 2.75 % - with XXXX points. Which costs an astonishing {$27000.00} - almost {$20000.00} over my initial disclosure. I have additional email records with dates, and I have message transcripts exchanged with the Rocket originator. Rocket moved horrendously slow on this refinance. I expect them to honor the original rate and points as they are the sole cause for this taking > 90 days to close. I have not closed as of today as Rocket 's Executive Solution Consultant said the best they could do was offer 2.75 % with XXXX points, which, I believe, amounted to a difference of $ XXXX {$9000.00} over what I was originally quoted at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Attempts to get company to cooperate in proper investigation and removal has been unsuccessful. 
A write off / charge off is reported as gross income to the IRS. 
This company is reporting gross Income to all credit reporting agencies as debt. 
Gross income does not get reported on a consumer report. 
This makes the reporting of this account inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account was paid and no late payments would be reported on my credit per agreement by Synchrony and myself. 

However, the company still has reported all Accounts under My name with Synchrony to be displayed as late on 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 monetary relief
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now past the allotted time for them to respond since I sent this notice and I still haven't gotten an updated response from the agency. The first response I received from them said that the company who they obtained the information from ( XXXX XXXX ) verified the information. I contacted XXXX XXXX and they said it is impossible for them to have verified the information because it doesn't exist on my account! 

Obviously the credit reporting company couldn't have investigated the way they say they did or they would not have come up with the false conclusion. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: LA
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:
Attempts to get company to cooperate in proper investigation and removal has been unsuccessful. 
A write off / charge off is reported as gross income to the IRS. 
This company is reporting gross Income to all credit reporting agencies as debt. 
Gross income does not get reported on a consumer report. 
This makes the reporting of this account inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A letter from Huntington Bank dated XX/XX/XXXX was sent to me saying a checking account was opened in my name. I called the bank on XX/XX/XXXX inquiring about the account and they closed the account the same day. XX/XX/XXXX I contacted the credit bureau and froze my credit report from being pulled. A letter from Huntington dated XX/XX/XXXX was informing me that a XXXX XXXX tried to withdraw {$1500.00} from the fraudulent checking account. The withdrawal was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent XXXX, XXXX  and Transunion regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed

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