BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I paid off my student loans in XXXX of XXXX when I bought my house. My servicer at the time was XXXX XXXX. In the last few months, my servicer was changed to Aidvantage. I woke up this morning, XX/XX/XXXX, to an email from them saying I have a bill, owing them {$740.00} due on XX/XX/XXXX. I logged into my account, and they are saying I have an outstanding balance of {$10000.00} and that I've missed 4 payments. My loans are already paid off! Their website says they open aXXXX XXXX XXXX  eastern time and I've called 7 times ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it says they're closed. I tried the chat and it says the volume is too heavy and the feature is unavailable. I've emailed but I don't expect that route to go any better than the other two. 

This is the first contact I've had from Aidvantage since my loans were transferred. I never received a welcome letter or a bill in the mail or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I finally accessed my XXXX  credit report and shows on XX/XX/2023 that XXXX XXXX XXXX somehow accessed my credit info and did so without my knowledge and without my consent. this 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 2023-03-21
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo failed to follow their own policy on " Extra Day Grace Period. '' They also defrauded my account by depositing funds from my paycheck into my account, it was visible and actually there, then taking it away and giving it back 24 hours later. I filed a complaint, Wells Stated they set a date to research and fix it, then respond. They did not respond, fix or conduct with any action as promised. They had to be contacted regarding this failure of procedure, again. 
They refused to rectify the issue in a timely fashion as promised and stated they were going to " Take another week because the rep was not there and because they can. '' According to procedures and banking policy, an issue with any account must be addressed in a timely fashion and agreed upon by both parties. This was not and I did not agree to the delay. They have plenty of people to fix the issue but they choose to state there is only one person assigned to handle millions of people who have account issues, break of policy and bank procedures. So far they have violated their own rules and regulations. This will not be tolerated and is subject to Federal oversight and legal action.

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 2023-03-21
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX a check in the amount of {$1200.00} was mobile deposited. 
on XX/XX/2022 the check was cleared in my bank. 

On XXXX XXXX the check was returned from my bank account. The reasoning per Chime was duplicate presentment. 

This check was an XXXX payroll check and after reaching out to XXXX on 3 occasions and getting a copy of the check we realized the check was never cashed again. I have asked Chime to provide me with the copy of the check they stated they had to prove it was cashed but nothing. 

I have emailed them over 20 times in the last 60 days this has been going on. I have provided them with everything needed. Every reply I get from Chime in email is either asking me if this is still a problem or how it is being escalated to the dispute team. 

This is not just a few dollars that was taken. I have literally spoke with XXXX weekly in hopes the money was returned but it wasn't. XXXX does not usually receive returns and if they did it should have legally been no later than XXXX XXXX for the funds to get to them. This is well over the 10 business days they have to return funds. 

I am at my wits end because this has put me behind in bills and my family. Please let me know what else I can do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: GA
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:
Experian, XXXX XXXX, XXXX XXXX accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX and XXXX XXXX XXXX. both opened in XXXX  ive tried disputing them over and over again. my only option after this is taking it to court.

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 2023-03-21
Company: Genesis FS Card Services, Inc.
State: NC
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NV
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-03-21
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX I received a letter from IQ Data International, the letter was dated XX/XX/XXXX of 2023. So for some reason I received the letter a month and a half later. The later stated I owed around {$1500.00} to my old apartment complex. I called on XXXX and left a voicemail saying I was confused as to what was going on, I moved away from there 2 years ago. On XXXX I was called by an employee named XXXX, who was nice at first. When I asked what I was being charged with he summed it up by saying 'turnover charges ' and then later when questioned again he said I didn't pay my last month of rent either ( {$520.00} ) .When I brought up that I could prove I paid that with bank statements XXXX quickly panicked, I don't remember what led to it but he said he needed to know how much I could pay. I told him but I told him I would not pay until I see what I'm being charged for, he threatened that it would not be deleted off my credit report until I pay it. I'm trying to avoid any scams as this is fairly common. He kept demanding my card information and I had to tell him no repeatedly and that I was going to shower so I could go to my job. XXXX made it very difficult to hang up and after I finally did he called me later at work, I called back and told XXXX that I'm at work and must do my job. I also told him that I could not talk, I work in a loud environment and he is not allowed to call me at work and XXXX kept insisting that I am the one who called and that I am missing out on an opportunity. XXXX refused to give a written list of what I'm being charged for and refusing to send out confirmation that this will be deleted from my credit if I do pay it. It was an awful experience and I feel harassed and unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MD
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:
This inquiry is not authorized and was done by that creditor without permission! Please, you must remove this as soon as possible.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: MS
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter 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 explanation
Consumer complaint received 2023-03-21
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
They claim they can not accept my negotiable instrument, and failed to return, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. 

Bank of New York Mellon Indenture Trustee has failed to perform their duty as fiduciary trustee of the account. 

I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law.

They have been reported the FCC for Securities fraud and violation of my registered security.

I sent Bank of New York Mellon a Money Order/Registered Security/Negotiable Instrument in the amount of {$20000.00} to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified via their Indentured Trustee, and their CFO. They have continued to ignore my registered securities and refuse to properly credit my account. 

I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone. They are also reporting my account as delinquent to the credit reporting agencies and that is a direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-21
Company: EQUIFAX, 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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX I am writing to dispute several delinquencies that are currently reflected on my consumer credit report. According to my records, these delinquencies are inaccurate and should be removed from my credit report. 
The delinquencies in question are as follows : XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$220.00} These delinquencies are inaccurate, and XXXX XXXX XXXX has claimed responsibility for the mistake verbally. 
I am requesting that these delinquencies be removed from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires that credit reporting agencies investigate any disputes within 30 days, and I request that you complete your investigation within this timeframe. 
I have provided supporting documentation such as confirmation for payments to support my dispute. Please let me know if there is any additional information that you need from me to complete your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am trying to find out about the recent Wells Fargo penalties for improper processing of loan modifications. 

I had a home and had been living in it from XXXX  until Well Fargo foreclosed. Wells Fargo refused to allow us to do a loan modification to reduce our payments. We were told that we had too much income to qualify for a modification. At that time the only income we had was from student loans which we got 3 times a year and they were about {$6400.00} each of the 3 times a year that we got them. We were told that because we were low income enough to qualify for pell grants ; that the {$5500.00} in pell grants that each of us got ; and that money all went straight to the college; was money that would be counted as income for us and that would make us over the limit to qualify for a modification on our home loan. 

We did lose our home and it basically financially destroyed us and then two years later Wells Fargo sold our house for about half of what we owed on it when they foreclosed. I would really like to know how a person could find out if they are owed money from Wells Fargo? I am really sure that Wells Fargo will not do one honest thing unless somebody is standing over them with bat and making sure they do what they are suppose to. 
How can I find out if they owe me money? 

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 2023-03-21
Company: KEYCORP
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a phishing scam sent through the actual mail ( not email ). I already reached out to KeyBank and confirmed its fraudulent nature. 

Letter stated your account balance has been accelerated under the terms of your contract. As a result, your full balance of {$50.00} is now due.. KeyBank may have provided information to credit bureaus about your insolvency, delinquency, late payment, or default on your account to include in your credit report. 

It then refers me to the following address be, ow to send payment. They also said I could call XXXX. 
KeyBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I called key bank at a number on their website, not the number above, and they show no such loan or debt and confirmed it was phishing. Thought you should know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX off XXXX Recent changes XXXX Credit score XXXX point since XX/XX/2023 Balance Increased WELLSFARGODEALERSVCS account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your WELLSFARGODEALERSVCS automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX CARD SERVICES account balance decreased Today XXXX XXXX XXXX XXXX  How does a loan increase with no missed payments. This showed up on my credit report from Wells Fargo to 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 2023-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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