BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I found an unauthorized charge from a company called XXXX XXXX  I contacted them and they said it was used by Paypal but they would not issue me a refund. I contacted paypal and they took down my dispute within a hour with no investigation. In addition, Paypal refuses to let me add my bank account on here so someone using my information without my approval. It says someone else using my bank account number which does not make sense at all. All I get is foreigners disrespecting me when I chat to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: SC
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:
SUPORTING DOCUMENTATION THAT THIS COMPANY HAS VIOLATED MY RIGHTS AND CONSUMER. YOU ARE IN VIOLATION OF TRUTH AND LENDING ACT 15 USC 1601 AND AGGRAVATED IDENTITY THEFT 18 USC 1028 A.

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 2023-10-18
Company: EdFinancial Services
State: MA
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 have had several issues with Edfinancial this past week. I will break down the issues below as they occurred : First Issue : I made a full payment on one of my loans ( Loan ID XXXX ) on XXXX of {$380.00}. This was the amount shown on Edfinancial 's online portal and the amount that correlates with all statements prior to XX/XX/XXXX. On XXXX my autopay processed for {$30.00} additional to my monthly payment of {$310.00} ( {$340.00} total ). The {$30.00} was added to my autopay automatically without my knowledge to apply to this loan XXXX which was showing it had not been paid in full at the time. My loan was then negative the amount {$30.00} for which I asked the negative balance to be reallocated to other loans. Next, my XXXX statement generated on XX/XX/XXXX and is now showing that on top of the full payment as well as the {$30.00}, I now owe {$30.00} on that loan. I called about this and finally got in touch with someone on Friday XX/XX/XXXX who told me that they would be submitting a research request. I called again yesterday to check on this and the representative told me that I owe that amount and what I was shown on the portal AND my statements was not the correct balance on my loan. I am at a loss because I can not understand how the balance that they showed me on my portal and on my statements is now magically more once I made a full payment to them for the loan. 

Second Issue : When I went to check on this issue in my online account yesterday XX/XX/XXXX, they are now showing that I have a past due amount on one of my other loans ( Loan ID XXXX ) of {$12.00}. This is absolutely incorrect because of two reasons : 1. I make more than the minimum payment each month on all of my loans to pay them off quicker. 2. As I mentioned above, my autopay processed for more than my allocated payment amount. After the statement was generated, it seems that they reapplied {$20.00} of the payment on this loan to another loan ( Loan ID XXXX ). I do not want this to affect my credit score but I also do not want to overpay them and not have this issue corrected. 

Overall, I have paid Edfinancial {$720.00} for the month of XXXX and they have not been able to apply payments correctly and are now saying I owe more on loans that I have made payments for. I am very concerned about them being my loan servicer moving forward as I have seen that many other loan payers have had this or a similar issue with them when trying to pay off their loans. Any and all assistance with these issues would be greatly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Hello, I am still waiting to hear back about my XXXX application from XXXX. I am past my payment due date but I can not pay it. I FINALLY got a call from someone on the phone and she had me complete another application over the phone. Im not sure if that is a real process. I got no confirmation. Because I am waiting to hear back about my application my payments should be temporarily paused, but they have been. I received a delinquency notice today about it. I havent heard anything and it has been months. Please help! I dont want my credit affected.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-18
Company: EdFinancial Services
State: CA
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:
On XXXX XXXX, University XXXX XXXX has refunded and returned {$6700.00} back as I withdrew from taking Fall 2023 classes. This withdrawal was 100 % refundable as I was within the deadline. Its been 6 weeks now, and that amount {$6700.00} has not been posted or deducted by Dept of Education or Ed Financial from my student loan balance. Everyday the interest rate is increasing from a student balance thats not updated.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX* Balance : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX 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 XXXXXX/XX/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 2023-05-24
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX, Account name : Ally Financial, Account name : XXXX  XXXX, Account name : Credit Name : XXXX XXXX : Credit Name : XXXX XXXX XXXX  : Credit Name : XXXX XXXX XXXX Nmae : XXXX : Credit Name : XXXX XXXX, Credit XXXX XXXX XXXX, Credit Name XXXX XXXX XXXX, Credit Name ; XXXX XXXX XXXX XXXX, Credit Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Credit Name : XXXX XXXX XXXX Credi Name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is my Follow-up to make sure that the disputed items in my credit report are deleted entirely for they are fraudulent and erroneous. Kindly delete the following items : 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 2023-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the a Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

Transunion is governed by 15 U.S.C 1681 and they have violated my rights numerous times and I demand the accounts below be removed and NOT UPDATED due to the law. 

According to 15 U.S.C 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times.

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 2023-07-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EdFinancial Services
State: OR
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 contact Edfinancial about my student loans for 2 months now. I applied to the SAVE program through studentaid.gov as soon as it was available in XX/XX/ and currently when I log into Edfinancial all it says is IBR for my loans and the amount is double than what it should be. 

First I've tried to call them, and the wait times have been anywhere from 4-12 hours. I don't have time to wait that long during the day since I have to work. Next I tried to use there automated call back system, but they never called me. Then I tried to send them an email, but never got a response. Then about two weeks ago I submitted a forbearance request because my due date was XX/XX/XXXX and I couldn't afford what the payment showed. 

My forberance request still hasn't been processed and I've never gotten a call/email back to date, and now I've missed my first payment. at this point I don't know what to do.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
all 3 bureaus have reported a MEDICAL DEBT on my reports, my score dropped dramatically

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have the right to make sure that my private information is not shared which is backed by the 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information nor did they have my written consent. Any and all consent from Transunion, XXXX, and XXXX ( XXXX of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''. These accounts are an adverse item they are reporting again without my permission which is against the law.

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is against the Executive Office of Wells Fargo. The Executive Office with Wells Fargo is a department which is used to seek a resolution agreeable between a Customer and Wells Fargo, when both are not in agreement. 
As I have been transferred throughout many departments within Wells Fargo since XXXX XXXX, due to my Identity Theft which I have been experiencing -- the Executive Office along with their many Executive Office Case Specialists, seem to care less about seeking a Resolution. They are not Customer Oriented, and tend to blame the Customer for everything. They will not take responsibility for any mismanagement of monies. However the record and history of Wells Fargo speaks differently, with their billions paid in Civil Penalties and Restitution. Wells Office should only utilize solution oriented staff in this department. With customers such as myself experiencing endless issues associated with identity theft, there is no time for arrogance, unprofessional behavior, and a nonchalant attitude!!

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 2023-09-07
Company: DISCOVER BANK
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is against Discover Home XXXX Loans. Application # XXXX. In presenting Discover Home Loans with evidence that this was a fraudulent inquiry brought on my my Identity Theft issues Discover Home XXXX  loans agreed that this application was fraudulently submitted in my name. XXXX was notified. Ample time has passed and this fraudulent inquiry remains on my Credit File. This fraudulent inquiry has had plenty of time to be removed from my Credit File, but it remains. I also am requesting the complete Credit File within 30 days as allowed by FCRA.

Company response to consumer: Closed with explanation