BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
- I refinanced my XXXXMohela loan with XXXX/Mohela in XXXX for a lower interest rate. I submitted all paperwork and continued to make monthly payments. 
- Once the refinance was complete, I continued to send in payments on the XXXX and XXXX of each month to satisfy the amount due. I have been doing this since I began working with Mohela. You can look through all past payments and I have never been late. 
- The due date was changed when the loan was refinanced. Because I was making monthly payments in the same month they were due, I did not see this as a problem. 
- I noticed an amount due that was growing even though I had been paying on time. 
- I called XXXX Mohela and they explained that since my bill had not been issued for the month yet, the payments I was making on the first of the month did not count for that month 's balance due. 
- This was especially problematic because I often make my largest payment on the first. 
- The month of XXXX now required a $ XXXX payment. I was not able to make a full payment until the end of the month as I needed both paychecks to cover the bill. I arranged for payment through my bank on XX/XX/XXXX. 
- THIS DELINQUINCY WAS CAUSED BY THEIR OWN BILLING METHODS. 
- On XX/XX/XXXX the account was reported delinquent to credit agencies, even though the full payment had posted. 
- On XX/XX/XXXX the account was reported again as delinquent even though the account was in good standing. 
- I have not received a call back on this as promised and could not even be transferred to a supervisor today ( XX/XX/2022 ) When I originally called, I was told that there would not be any reporting to the credit agencies, which obviously is not true. I want the negative reports made to the credit agencies removed. This has brought my credit score down significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from 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 non-monetary relief
Consumer complaint received 2020-11-04
Company: WHEELS FINANCIAL GROUP, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
This was my first loan I have ever taken. I owned my XXXX XXXX outright meaning I owed no money on it. When I initially took out the loan they were very quick and eager to get me to sign documents I didnt even know I was signing. The way they had it set up I didnt even get to read the real agreement. I am on time with my payments currently and I got a letter in the mail saying since I did such a good job with payments I was able to take a XXXX loan out after my next payment and the advertisement said keep my same low interest rate. That was a complete lie, my payments at that time were XXXX dollars a month. I borrowed {$7500.00} and after 5 XXXX dollar payments I still owed more then what I borrowed. After I took out the XXXX dollar loan I got a letter saying my other loan account had been closed and a new one opened. I called and ask them what the deal was I was assured that my interest rate would continue to go down instead they informed me that taking out the new XXXX dollar loan my interest rate now was 115 % and that my payments would be {$880.00} a month for 36 months. That was that and that was final. AGAIN I DID NOT SIGN THAT OR AGREE TO THAT. THIS COMPANY IS FRAUD THEY ARE LIARS AND THEY NEED TO BE BROUGHT TO JUSTICE. I READ THE MOST INTEREST RATS THAT CAN BE CHARGED IS 12 % Washington and 10 % Utah. IM BEING CHARGED 115 %! they totally took advantage of me they obviously knew I had no experience in taking a loan Out. They are literally trying to Make it so hard for me to pay this off they want to take the car. They dont want the loan Paid off. I need help what they are doing is completely illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
State: PA
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:
On XX/XX/XXXX of XXXX I was about under 90 days past due. I've explained the reason for my delay in payments is because of my short-term XXXX being denied. When I made the payment of {$380.00}, I was told this dropped the chances of my vehicle being repossessed, Monday XX/XX/XXXX of XXXX I go outside to head out to work and my car is nowhere to be found. I am XXXX past due apparently and I had plans to make another payment XX/XX/XXXX because on XX/XX/XXXX I had to pay my rent to avoid any evictions. This is the third time my car has been repossessed. I believe this is the second time I've been repossessed being under 90 days past due. This is not the first time they say one thing and do another, and I find myself paying extra money just to get my car back and have it done to me all over again! Wells Fargo by fare has been the worst experience I have ever had. This is not my first loan for a car and I had paid off my previous loan to this car.

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 2022-04-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Having a credit card with Citi bank, I received an offer to open a new checking account online. This offer included a {XXXX} bounce if I deposite {XXXX} within 20 days of opening the account. If I kept the funds above {XXXX} for 60 days I receive the {XXXX}. I opened the account on XX/XX/2022 and within a few days there was more than {XXXX} in the new checking account with Citi bank. 60 days passed and I didnt receive the {XXXX}. I called the bank on XX/XX/XXXX and requested to speak to supervisor who credited {XXXX} into the account. On XX/XX/XXXX I realized that {XXXX} taken back by the bank, I called on the same day to find out the reason. The supervisor answered that the bank decided that because I transferred the funds through XXXX that I didnt meet the requirements and for this I will not get the promotion. The offer doesnt state that I couldnt transfer the funds electronicly. The supervisor at Citi further mentioned that the only that I could have received the bounce when I physically took the funds to a branch and deposited with a teller. Again, this isnt mentioned in the offer. I believe that I was misled by Citi bank and Id like to ask you kindly to help me obtain the {XXXX} back. 
Many thanks.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: MD
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:
15 U.S.C 1681 Civil Liability for willful noncompliance. In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses XXXX XXXX # XXXX dates open XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX Last active dates XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX # XXXX Balance trans {$780.00}, XXXX  {$800.00}, XXXX {$800.00}, Last report XXXX  XX/XX/XXXX, XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX open date XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last reports XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last active XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  # XXXX Last Reported XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX, Last Active XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  # XXXX Terms XXXX  XXXX, XXXX  XXXX XXXX Last Reported XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last Active XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX Last Reported XXXX  XX/XX/XXXX last Active XXXX XX/XX/XXXX XXXX XXXX # XXXX Last Reported XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, Last Active XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX Total Violations.

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 2022-04-06
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America closed my account and reversed all my fraudulent claims. Did that and didnt tell me why or give me a chance to remove my funds. I have over {$500.00} that is owed to me and I need to contact XXXX to help assist with these claims.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 university # 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 2022-11-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint with CFPB on XX/XX/2022 complaint # XXXX resulted in identity theft the Equifax response to the complaint indicated all inaccurate information was removed when I received the The confirmation credit file from Equifax in the mailed confirmation # XXXX on page 6 has XXXX XXXX  on my credit file this file was never removed from my credit file. Also XXXX XXXX was reinserted without me being notified which is a FCRA violation. Please provide steps you took investigating my complaint I provided all required documentation required by FCRA and this neglect from Equifax has damaged my reputation and character and XXXX stress and the hours spent going to get affidavits and other copies notarized. Equifax also stated my data was breached and I have file a claim in regard to that as well. I'm demanding you remove those items that is inaccurate in my credit file. Also attached is a my data breach claim in which I was eligible. For indirect disputes filed with CRCs, the FCRA requires that, upon receiving notice of the dispute from the CRC, the furnisher must conduct an investigation with respect to the disputed information and review all relevant information provided by the CRC. 20F 21 The standard for investigation of indirect disputes is, like direct disputes, that the furnishers investigation must be reasonable. 21F 22 Examiners found one or more furnishers violated these provisions when the furnishers responded to CRC notices of disputes without verifying the accuracy of the disputed information but instead with instructions to the CRC that the consumer should contact the furnisher directly and that the disputed information should not be deleted. In response to these findings, one or more furnishers are developing dispute handling policies and procedures to ensure the investigation of disputes is in accordance with the requirements of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In 2017 XXXX was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, XXXX, Transumion and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXit and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of XXXX having the data breach my personal information back was used and my credit destroyed. XXXX ruined me life and continues to do so. who governs this?

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 2023-10-03
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. On XX/XX/XXXX or XXXX 2023 my previous landlord sent a partial refund on my deposit in the amount of XXXX and some change. My landlord sent money via Zelle to my phone number XXXX. I got a text message to that number saying that the funds will be available soon. However I do not have a Zelle account. My wife has a Zelle account through XXXX XXXX XXXX XXXX I tried to set up an account through Zelle but each customer service associate that I have spoken to has directed me to XXXX saying that my phone number is associated with a XXXX account. My money is now in limbo. Zelle refuses to help me and XXXX is also not able to do anything to help. I have my money somewhere in the system and no one is able to help me. I find it disheartening that Zelle nor XXXX is able to assist or even understand my situation. They both keep blaming each other. I have never had a Zelle account, I just recently began trying to use Zelle. And I have never had a bank account or a XXXX account. The only thing I need to happen is for my phone number XXXX to be deleted completely from Zelle and XXXX. I also find it frustrating that there is no one else to turn to when it comes to dealing with Zelle. Horrible rude customer service. I feel bad for any elderly people who have to deal with zelle with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-11-10
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They are still showing my account is past due even though Ive already filed my complaint and they responded that they would take care of it. They couldve taken care of this immediately and its been another week or two weeks.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX 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 : 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 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