BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX credit card. XXXX XXXX. Autopay bug. 

I had autopay for my monthly balance set up for the end of the month. I had a balance of {$9700.00} due. The autopay went through as planned. The next day they took out an additional {$9700.00}. A total of over $ XXXX. 

I then had overdraft on my other bills with it being the end of the month. I called to remedy this and they did not accept or tell me why there were XXXX payments only that I had called before. I had called before to confirm the balance amount only. 

XXXX, told me that it would take 10 days to return my money. I then asked to cancel the card and she told me that I would forfeit any benefit owed me for cash back offers. I then asked to speak with her supervisor but there was no one. She was the supervisor ... 

I was very kind and know she was not at fault personally, but this puts me without money at the end of the month, no overdraft remediation, my credit being impacted on my report, and a very long time on the phone.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: MI
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 am filing this CFPB Complaint letter to formally request an investigation into and correction of the erroneous account that appear to contain inaccurate and incomplete information on my credit file, as mandated by the Fair Credit Reporting Act. Specifically, I would like to address the discrepancies related to the following account : XXXX XXXX XXXXXXXX Balance : {$3100.00}. I kindly request a thorough review of the Payment History associated with this account. It is imperative to note that the reported late payment history does not accurately reflect my payment behavior, as I firmly believe that I made timely payments. I urge the Credit Bureaus to rectify the erroneous late payments associated with this account promptly. It is essential that the Credit Bureaus ensure the accuracy of this reporting by revising and updating the information in my file accordingly. I expect any necessary corrections to be made promptly and for my credit file to be updated with the accurate information. I trust that the Credit Bureaus will conduct a comprehensive investigation into this matter and take the appropriate measures to rectify and update the information in my credit file as per the provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the last year I have been back and forth with the credit bureaus about a portfolio account that is reporting on my credit report that does not belong to me. The credit bureaus keep responding stating that I should contact portfolio because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with portfolio which I did onXX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according the USPS tracking, and they still have not responded to me and the account is reporting not once but twice on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: MOHELA
State: CA
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:
XX/XX/XXXX To whom it may concern, I am currently enrolled in Public Service Loan Forgiveness program offered by the US dpt of Education. 

I have been working as a XXXX part time employee at XXXX XXXX since XX/XX/XXXX and also a XXXX part time employee at XXXX XXXX XXXX XXXX since XX/XX/XXXX in order to be qualified as a full time employee according to PSLF application up until the recent PSLF changes. Both my employers are non-profit organizations and I am still working at the same facilities.

The reason why I am writing to you is to file a complaint against MOHELA and to request help from your organization. My employment status for the month of XX/XX/XXXX is not being counted as an eligible payment for no valid reason. 

I have made numerous phone calls to MOHELA and spoken to many different representatives this year. I also have been sending them many emails along with documents showing proof of my employment, requesting correction. My first PSLF employment certificate for this year was sent on XX/XX/XXXX. Since then, I had to resend the PSLF employment certification forms on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as requested by MOHELA. 

Each time I contacted MOHELA about this issue of this year, they requested that I wait for XXXX, XXXX, and even XXXX days for them to re- process/review my employment certificates. This has been going on since XXXXXXXX XXXX XXXXXXXX, and it is now XX/XX/XXXX. So far, nothing has been corrected. 

I have been employed at the same hospitals since XXXX and XXXX. Nothing has changed with my employment status. Yet, MOHELA decided to not count my XX/XX/XXXX payment towards PSLF and has been ignoring my request to review.

I would like to formally file a complaint against MOHELA and am asking for your help to rectify this ongoing issue with MOHELA. Please do not hesitate to contact me if you have any questions regarding this issue. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-06-30
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1.I have never had an account with these company Professional Debt Mediation Account number # XXXX, REMOVE from all credit agencies from reporting. 2. *consumer* means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.1 am the " '' consumer " '' mentioned in 15 U.S. code 1692a ( 3 ) You are Professional Debt Mediation the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.1 am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of, which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to to communicate to any person credit information which Is known, or which should be known to be false, including the failure to communicate that a disputed debt Is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocents purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.Whlle pursuing to 16929 ( b ) while the debt collector shall cease collection to the debt. or any I disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who falls to comply with any provision of this subchapter with respect to any person Is liable to Such person In an amount equal to the sum of.- { 1 ) ( 2 ) ( A ) ( B ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
PRA - Portfolio Recovery Associates LIED TO YOU when they responded to you regarding complaint number XXXX submitted XX/XX/2023. They stated that they were negotiating with my attorney per my request. I do NOT now have an attorney, nor did I have one when they responded to you and they knew it and I can PROVE IT and you just tacitly accepted that they were telling the truth after you just fined ther {$24.00} XXXX in XXXX fo illegal and dishonest business practices. This complaint is IN ADDITION to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We have purchased a used car from XXXX for XXXX USD. I had to pay XXXX USD to remedy some of the issues out of pocket while the car had these symptoms. After spending this money the car has most of these issues. The car had an open XXXX relating to an open recall which the car not even had inspected for. Not to mention that this is an engineering desing flaw, error of the car which XXXX didnt disclose. I finaced this car based on the condition of our conrtact with XXXX. I took this case to XXXX as per our conract and XXXX is declining to provide evidence that this car have been inspected, serviced and repaired prior to selling it to me.

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 2018-08-30
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company identifies themselves as XXXX XXXX XXXX. The same agent continues to call me twice daily, always around XXXX XXXX and again around XXXX XXXX, now for the past 2-3 months and counting. I continue to block them, but they always use a different number each time they call. The number always begins with ( XXXX ) XXXX. I have a list of these numbers, if needed, in my blocked callers list on my phone. I have asked them to stop calling, but they continue like clockwork. This is a violation of FDCPA guidelines and is pure harassment. I need this stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Going on a couple years. My regions acct was credited with a Treasury check from a young Spanish lady I was romantically involved with at the time as reimbursement or collateral for the moving I was helping her & her family with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an XXXX XXXX Credit Card. I was asked to provide documentation to verify myself. I provided the documentation as per the letter. I called to confirm receipt of the documentation. I then received a letter that stated they could not confirm my identity. I called to asked about the denial and was given vague if formation on my credit application denail. I asked specifically why the documentation provided was not sufficient and was given another vague explanation that my documentation was no sufficient. I provided my drivers license ( front and back ) social security card and my XXXX  XXXX. I then spoke to a XXXX and she stated the address was not on my XXXX after several minutes of review. I located the information and explained where it was on my XXXX. I asked was I able to simply provide a clearer copy. They do not allow you to provide clear copies. This is a horrible business practice and seem to be unfair to the clients. My credit now has a credit inquiry that will lower my credit score for 2 years for an application that was declined for an illegality issue. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Reference Number : XXXX I have been scammed out of my money. I paid approx XXXX dollars to transfer to a business in XXXX. The money never reached the vendor. I had to pay the vendor a late fee and from my credit card. 

When I contacted Remitly for a refund, they refused to help. Then I was given a run around for DAYS, where no one would ever call back. This is a substantial amount of money for me. 

I can not believe how often I have been hung up on, " transferred, '' and/or asked to wait for a callback. My money never reached my vendor- I need it back, plus the late fee they cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Lakeview Loan Care has put a 30 day delinquency on my impeccable credit report because of their mistake and the previous loan companys ( XXXXXXXX XXXX ) mistake. 
The loan was scheduled to transfer on XX/XX/XXXX from XXXX to Lakeview however the loan did not transfer as anticipated. The delay in the transfer of the mortgage was caused due to a disconnect within the internal process at XXXX. On XX/XX/XXXX, XXXX automatically drafted {$560.00} first before Lakeview could draft the mortgage payment. The loan servicing transfer was not completed until XX/XX/XXXX and a bulk check was issued to Lakeview which included my XXXX payment. 
Lakeview is putting a delinquency on my credit for a late payment for XXXX and XXXX, when in reality the loan wasnt even transferred until XX/XX/XXXX. 
That means that I was still protected under RESPA and Lakeview has no right to put a delinquency on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Citi acc # XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also States a consumer can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer Report ' does not include-any report containing any information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have never had a payday loan through this company. I have gotten several emails like the one I am attaching to this complaint. As the email account is a XXXX account, it is a false account, ACE does not use a XXXX account nor do any collection services that I am aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: RIA FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Walmart 2 walmart money service on XX/XX/2023 my aunt sent XXXX got my act # and they keep the money saying fraud only able for refund no other information was available and XX/XX/XXXX I was to receive XXXX and was told the same thing they keep the money on the refund for 48hrs then the sender can get the refund I called ria the company and they will not give any answers to y it's fraud I need answers my aunt is XXXX and shouldn't have to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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 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 an 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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
For the past year I'm asking Tranusion and XXXX to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on XXXX that still reports BALANCE!!!

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