BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
reporting fraudulent information

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 2020-06-17
Company: XOOM CORPORATION
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Xoom service on XX/XX/2020, to send {$1600.00} to the XXXX. The Xoom immediately deducted the money from my bank account and I received an email receipt confirming the payment. My Xoom account is showing that the payment is complete and given the transaction number XXXX. The Xoom hasnt deposited the money into the recipients bank account as of XX/XX/2020. 

The Xoom did promise on their website during the transaction that they will be depositing the money to the recipients bank account in less than 2 hours and there is no notice of delay mentioned anywhere on the website. It is apparent that the Xoom is  misleading the customers with their express promises which I relied on. 

The Xooms customer service via phone call has been disabled and the customer can only reach out to Xoom via their customer support form on their website and via XXXX. Since XX/XX/XXXX, I have written numerous emails ( more than 25 ) to Xoom regarding my transaction which also includes sending emails to their CEOs and on their social media messages box. As of now, the Xoom has not assigned any representative to this case and no investigation has been conducted as per my knowledge. A week ago two Xoom representatives ( reference # XXXX and XXXX ) contacted me via phone after numerous requests, and I provided them all the proof ( recipients bank statements and details ) to investigate the transaction. I also requested them to refund my money if they can not deliver it to the intended recipient in two days, NOTHING has happened yet. They both ask me to wait for 24 hours so that they can trace the money ; it has been over 17 days now, and I still did not hear back from them. 

The Xoom is neither depositing the money to the recipients account nor refunding it to me, let alone contacting me with an update or details regarding the transaction that they deducted from my bank account without providing the service. 

An hour ago, I did a test via Xoom. I sent a {$65.00} from Xoom to  the same recipient to check if there is an issue from the recipients end. To my surprise, the money was deposited to the recipients bank account in a few minutes. Therefore, it almost confirms my suspicion that there is some foul play at Xooms end. 

I am beyond frustrated with Xoom services as the recipient is facing severe financial hardship during Covid-19 after losing her job and mounting loan penalties. I cooperated with Xoom representatives and waited patiently for weeks, however, I cant just sit here without knowing what Xoom has done to my money. 

I request your kind and urgent attention to the matter and help me find a resolution. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS ABOUT MY MORTGAGE WITH FAY SERVICING. MY MORTGAGE WAS UNFORUNTATELY SOLD TO THESE CROOKS AND I'M LOSING MY MIND TRYING TO SORT THIS SITUATION OUT. 

I pay my mortgage bills automatically from my bank every month. I also travel a great deal and am not home to read conventional " snail mail. '' It turns out that my mortgage was sold to a new provider ( frankly, this type of resale should be outlawed, but that's a separate matter ). Several months after this had occurred, I updated my automatic payment information with my bank to send payments to Fay Servicing. And I thought that was that. 

Months later, I started to receive ominous notices from Fay Servicing indicating that I haven't paid. I've been served a foreclosure warning from them which is ludicrous. It seemed that there was ONE month where my checks from my old provider hadn't been forwarded to XXXX and I have paid that ( and still need to sort out that payment with my old provider ). That said, the payments I HAVE BEEN SENDING TO FAY SERVICING have been CASHED and yet they insist they haven't received them. I've sent the copies of the cancelled bank checks MULTIPLE TIMES NOW - and they always act as if they haven't received this evidence ( either via email and fax ). 

I have noted that the account number on my bill seems to be different than the account number of my " notice of resale '' letter ( which I no longer have )- and I pointed out to XXXX that I think they've directed my missing payments to another account - and STILL THEY HAVE DONE NOTHING. 

I have ( had? ) a near-perfect credit score. I'm a reputable XXXX at a large company. I pay my bills and I always have. I own XXXX homes. I pay my credit card in full every month. I have been treated like the scum of the earth by Fay Servicing and I'm trying to find out how in the world I can get this resolved. 

Please help - the individuals with whom I've spoken at XXXX seem to have no customer skills and seem to indicate I'm the one scamming them. I've never been treated so poorly by any institution anywhere in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to recertify my income based repayment plan for 4 months now. I call twice a month and talk to customer service. I have been told : this is with XXXX XXXX 1. I didnt qualify because I made too much even though I submitted through Dept of Ed and my other servicer Aspire said I did qualify w the same information.

2. I submitted the paperwork twice because they said I didnt submit correctly. Again my other servicer accepted the same information as acceptable. 
3. I paid their XXXX dollar processing fee twice because their system did not recognize I had already done so. Last time I called I was told that they made a mistake and still havent processed my requests. 
3. I was told I would have an administrative forebearance while they fix their mistake. My amounts are still accruing and I am in jeopardy of credit reporting.

4. Every time I have called the service rep says they will work on it and I have not yet seen any movement. 
5. They XXXX XXXX my public loan forgiveness application and I had to call twice to get them to notice they read the dates wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells Fargo repossessed my XXXX XXXX truck and I had to pay to get it back.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. DEPARTMENT OF EDUCATION Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 2022-08-25
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've issues with PNC 's shady practices in the past so I've been taking screenshots of my account. My account was around {$66.00} XX/XX/XXXX and XX/XX/XXXX I wake up to a negative {$53.00} balance. I have screenshots of my account that doesn't at all indicate that my account would be negative or that there were any amounts coming out today. 

I contacted PNC bank and was immediately transferred to a manager stating she couldn't guarantee that I wouldn't be charged an overdraft fee of {$36.00} usd for three charges. That would cost me around {$100.00} dollars. They tried this same thing before and after I explained my situation they waived XXXX overdraft fees. I didn't press the subject and decided to keep better tabs on what funds would be coming out and STILL they pull this XXXX. People are struggling to pay rent and keep gas in their car, we can not afford for banks to keep doing XXXX like this. I'm going to continue fighting these charges until they give me money back, if they process an overdraft fee. I check my account and take screenshots several times a week because this gives me anxiety. Right now I can not afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I been a customer with this bank since 2006. I pay this credit card off three times. I have called them in the pass when they were called Wachovia & they adjusted my interest rate. Wells Fargo is saying that they do not adjust interest rates because they only for credit worthy when credit card was first issued. My credit card was issued by Wachovia & my credit score was over XXXX. I believe that Wells Fargo is being unfair charging me 16.2 % interest rate with out no way of reducing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Affirm processed the Loan for {$390.00} - The loan should have been for {$310.00} Affirm needs to adjust the loan for {$79.00}. My XXXX order total to {$310.00} Attach is my XXXX Final Details for Order # XXXX My e-mails with Affirm The Affirm loam agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Commonwealth Financial Systems, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After being denied a mortgage, I checked my credit report and discovered that Commonwealth Financial Systems inaccurately reported a Medical bill to the credit bureaus. 

Against my wishes my medical provider called for an ambulance to transport me to the hospital XX/XX/XXXX, although I was capable of driving myself, I was unemployed and therefore, unable to afford health insurance, I incurred an ambulance bill in the amount of {$990.00}, which I was not able to pay. 

Commonwealth Financial Systems purchased the debt from XXXX XXXX XXXX and in XX/XX/XXXX reported it to the credit bureaus, using an account was opened date of XX/XX/XXXX, instead of XX/XX/XXXX, to have a greater negative impact to my creditworthiness. After I discovered what was done, I disputed the information as being inaccurate, Commonwealth Financial verified the information to the credit bureaus as being correct. I again disputed the information and XXXX   credit bureau responded two days later that the information provided by Commonwealth was proven to be correct. Commonwealth Financial System continually violates FCRA rules by falsely reporting debt information to the credit bureaus to intentionally cause harm to consumers. On XX/XX/XXXX, I called Commonwealth Financial System, identified myself and asked to speak with a supervisor, I gave her the correct account date and requested that they correct their errors, I was told by the same supervisor that it was legal for them to report the account opened date the way they did, I then asked her to provide me with written details of the account, showing that the was opened XX/XX/XXXX, including, letters of attempts to collect this debt and they refused, she also stated that my only remedy is to pay the full amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: AR
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 have Disputed on many occasions the payment history reported on my credit report also have sent the laws that they're violating and have yet to have this problem fixed. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is information on my consumer report that is result of identity theft. I did not provide written permission for the identified transactions on my report. I am requesting that is information be blocked and deleted. My request to block and delete is not being made in error, nor is my request being made on the bases of a material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as the 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 explanation
Consumer complaint received 2022-12-20
Company: U.S. Auto Sales Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; Furthermore, you US AUTO SALES failed to clearly & conspicuously disclose my right to rescind I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) : Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me by your organization in direct violation of this law ; US AUTO SALES also accepted a CASH down payment of {$5000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate information and fails to provide information which he is required to disclose and in this case you US AUTO SALES willfully did when you failed to disclose and provide all information clearly to me as a consumer ; Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. Take further notice that 20 days after your receipt of this notice you have to return any money or property given and also terminate and reflect that termination of the security interest placed on the property which in this case is a XXXX XXXX  VIN # XXXX. Your failure to comply with this rescission will result in civil liability for fraud Pursuant to 15 U.S. Code 1640 A coupon was sent to US AUTO SALES for the full amount of debt. US AUTO SALES kept the coupon and is still charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

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 2019-08-23
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX I had XXXX  XXXX, after I told them I was changing my service to our local service. They sent me a final bill AFTER they were told. XXXX then sold the account to Diversified Collections, the amount of this balance is XXXX in XXXX. I have disputed this several times with no luck. It has now been 5 years and they refuse to remove it from my report. I just sent in a dispute on it once again. I was told after 2 years it should be off my report by my lawyer. This needs to be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, Chime/XXXX  sent me an email stating that my accounts were not in compliance with their user agreement and subsequently closed them and told me my balance was not eligible for a refund. They did not specify what account activity was out of compliance with their user agreement. They asked me to send verification of recent activity on my account, among other identifying documents, which I sent to clarify to them a recent deposit that was made, which came from the XXXX Treasury by way of a XXXX tax refund check. My tax return clearly reflects the amount expected from the refund, as well as the account activity showing the deposit coming from the XXXX XXXX XXXX I sent them over various personal and private financial documents, only for them to tell me the information I provided was not sufficient to account for the activity nor retrieve the balance on my accounts. They requested XXXX and XXXX tax returns, a photo of me holding my own identification card, proof of current addres, a paystub from the job located in the state I worked in for which I filed taxes, as well as any other information that would " help my case ''. After receiving generic responses via email, I called and was told that the email instructions were incorrect, and that I should be in fact sending my verification documents to " XXXX '', which I did, and in which all the emails bounce back to me undelivered. After two days of this, I have just gotten off the phone with a customer service representative of theirs, who tells me he has no further information to help me with regarding this perplexing matter. All these emails were sent between my personal email account XXXX, Chime 's customer service email accounts XXXX and XXXX, as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: DISCOVER BANK
State: IL
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:
This was written off as bad debt until I sent in a letter to all three major credit bureaus looking to dispute inaccurate information from my credit report on XX/XX/XXXX. I received XXXX letters, XXXX from Discover and another from XXXXXXXX XXXX XXXXXXXX ' attorney office attempting to sue me over the fraudulent charges and unauthorized associated interest. 

I'm a bit confused because I got a letter from Discover stating I opened an account with them in XXXX of XXXX and didn't get my card until XX/XX/XXXX of XXXX which seems odd to wait that long for the card. I don't think that is accurate. I've attached an email of payments made between these dates which would mean I would have had the card before XX/XX/XXXX of XXXX. Also please note the account was closed so I no longer have access to full communications just copies of emails that I still have. 

My credit card was fraudulently paid off in the amount of {$1700.00} I was unaware of this until I received a bill for {$3400.00} which would have been more than my {$1700.00} limit. I immediately called and reported this as fraud. They told me they would investigate, they in return decided to write this off as bad credit and close out my account. I'm not receiving letters from XXXX XXXX informing me of a wage deduction in the amount of {$4700.00}. Apparently they continued to charge me interest on an account that should have been closed. Please assist if you can!

Company response to consumer: Closed with explanation