BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: AES/PHEAA
State: FL
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:
When the Student Debt Relief plan was announced, I called my loan servicer, Fedloan, on Saturday, XX/XX/XXXX to request a refund of student loan payments that were made during the forbearance period. 

I spoke with XXXX ( ID # XXXX ) who informed me since there were three payments, she would have to put in three different refund requests. The three payment amounts were XXXX, XXXX, and XXXX. She mentioned there wasnt a definite timeline as to when to receive the refunds, but it could be anywhere from two weeks to two months. 

I received two checks from the Department of Treasury on XX/XX/2022 : one for XXXX ( Chk. # XXXX ) and another for XXXX ( Chk. # XXXX ). As of XX/XX/2022, I have yet to receive the third refund of XXXX and its been more than 60 days. 

On XX/XX/2022, I called XXXX to inquire about the refund, and they still did not have my complete account information. I instructed them to add a note that I was awaiting a third refund in the amount of {$26000.00}. 

On XX/XX/2022, I called FedLoan to inquire about the status once again and the rep I spoke with, XXXX, explained that since my account had been transferred to XXXX, they no longer have access to any information regarding my account and instructed me to call XXXX. When I contacted XXXX, the rep I spoke with explained that since they werent the servicer that put in the request, I would have to call FedLoan. 

I have not been able to get a response or a concrete answer about the status of my third refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
I am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on 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 explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason a few months ago and will not help me with getting it back up. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently to both buy and sell using a site called XXXX. I know quite a lot of other people who have used this site have also been flagged down by PayPal. My paypal email is XXXX. This has severely affected me as I have to completely switch up how I XXXX XXXX XXXX and I'm still even trying to figure it out. If I could recieve any help that would be greatly appreciated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
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:
According to FAIR CREDIT REPORTING ACT, Experian, XXXX, & XXXX are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy

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 2023-04-27
Company: CBC Companies, 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: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXX XXXX report on XX/XX/XXXX & XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with FACTUAL DATA, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The scammer met me on Social media XXXX and talked with me as friend for a while. He mentioned about his recent investment in XXXX and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a Coinbase account, I had never contacted Coinbase before, so he has my phone number and Email information, I assume he can guess my password or hack into my email cuz I setup easier. Then he ask me to download another fake platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group in order to steal the victims personal information from Coinbase Money or currency transfer. And I have couple transactions been sent to a digital wallet chain address without my permission. I try to file a claim from XXXX  XXXX and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very depressed and helpless. I believe that the big platform Coinbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank XXXX I trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBI/ XXXX XXXX law enforcement when I realized everything was scam! The scammer met me on Social media XXXX and talked with me as friend for a while. He mention about his recent investment in XXXX and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a Coinbase account. He asked me to download another platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group in order to steal the victims personal information from Coinbase Money or currency transfer ). And I have a number of couple transactions been sent to a digital wallet chain address with out my permission total XXXX. I try to file a claim from XXXX XXXX and XXXX and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very XXXX  and helpless. I believe that the big platform Coinbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank I trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBI/ FTC and the police who claim they do not handle it as there is nothing related to the 3rd party, all the account belongs to me, when I realized everything was scam! I am really sad about it. I have borrowed money from family and friends because I wanted to withdraw money. I have cash flow issue, I have no money. Such incident gave me huge pressure, almost destroyed my family. Please help to stop Coinbase or XXXX to allow scammer to steal peoples money online. I need to have my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fifth Third Bank charged a monthly {$5.00} dormancy fee on both my checking and savings accounts over multiple years. Below are the issues : I. I did not receive a statement at the correct mailing address notifying me of the charges on my account. I changed my address with XXXX, but Fifth Third continued mailing to my old address. Furthermore, they locked my online access preventing me from managing and viewing the activity on my accounts. 

XXXX. The dormancy charge amount was not disclosed in the Deposit Account Rules ( the " Rules '' ) and Regulations provided by Fifth Third as required under Reg DD, 1030.4 ( b ) ( 4 ). The Rules simply refer to a fee schedule to see the fee amount, but no fee schedule was included or enclosed. 

XXXX. The Rules state that a dormancy fee can be charged after a period of " Inactivity, '' defined as " no deposits into or withdrawals from the account during the applicable period. '' During the period I was charged these fees, my account was debited a {$5.00} fee and credited interest each month, which is not Inactivity as defined under the Rules. This is both a contract issue and also an unfair and deceptive UDAAP violation. 

IV. A sample account statement Fifth Third provided in response to my complaint includes the following disclosure : " Remember, no monthly service charge if : You maintain a total monthly average balance of {$1500.00} across checking, savings, and investment accounts. '' Well after Fifth Third began charging me dormancy fees, my account balances were : {$1300.00}, {$2800.00}, and {$440.00} yielding a monthly average of {$1500.00}. Despite maintaining a balance above the threshold Fifth Third disclosed, I was charged multiple monthly {$5.00} fees, which is an unfair and deceptive UDAAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Continental Finance Company, LLC
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been working with a Credit Counseling service that was recommended by the state. They have been great! However, they sent their proposal to XXXX XXXX in XXXX! They have been paying XXXX. However XXXX sat on the proposal for about 2 months, allowing my account to become past due ( I can not afford double payments and the XXXX was going off of their past dealings with XXXX. ) Now it has dinged my credit score bad, and it is a huge negative on the score, though XXXX has finally acknowledged and agreed to the proposal.

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 2023-05-25
Company: Experian Information Solutions 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-09-11
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We received a vehcile from U.S auto sales, in that time period we paid every single payment. The interest they charged us was Beyond ridiculous on top of that, they kept saying we owed more than what we did. Our vehicle had issues of turning off even when we paid our payment, through a device GPS tracker. Our vehcile got repossessed over night, because we couldnt pay all the extra they said we owed. Now its being auctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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:
My consumer report is showing unauthorized inquiries

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 2023-04-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I settled a mortgage obligation XXXX with XXXX XXXX XXXX XXXX XXXX in XXXX via a promissory note that servicer retained but did not credit. I administratively defaulted them and recorded a lien in XXXX XXXX register of Deeds. One term of my novation is they were not to sell my note, which XXXX did sell to Rushmore Loan Management, LLC of XXXX XXXX, who began trying to collect on a new loan number XXXX I never signed. The statute of limitation to collect on a promissory note in state of Wisconsin is 10 years, which in this case has expired. Rushmore, their lawyers XXXX XXXX XXXXXXXX XXXX and their alleged principal XXXX XXXX XXXX  have no license to collect in state of Wisconsin. They prevailed upon a county judge to schedule an unlawful sheriff sale of the property. My bid was higher and yet the judge awarded the property to the bank. Rushmore never produced a real party of interest, POA or evidence of a debt owed, just old mortgage documents. Their CEO, attorneys and trustee failed to appear to subpoenas in US Bankruptcy court in XXXX. Voice-mails left with their attorneys were not returned. They are a totally rogue, outlaw agency committed to stealing homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
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 want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; 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. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Transunion Credit Report pursuant to 15 USC 1681c-2, The tradeline is with XXXX XXXX with Account Number XXXX and XXXX. These accounts DO NOT INCLUDE XXXX XXXX XXXX I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. Transunion has NOT blocked this tradeline from my credit report. It has since reappeared on my report. This account is to be BLOCKED INDEFINITELY as it was not opened by Me. Please see all of my attachments as proof of delivery and Notice of Identity Theft to Transunion.

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 2023-03-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted documents to show a 90 day late on an account that was closed for multiple years. The information on the account was incorrect. 
I submitted certified letters requesting transactional information regarding the sale of the vehicle by the creditor

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 2023-03-09
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have asked this company to send me the contract saying I owe them and they keep ignoring my request. This account was deleted off my credit report before then it came back and now they have someone else reporting this same balance along with them. So now it looks like I owe multiple people. They cant do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When will this bank allow me to open an account and stop refuting they treat me horribke claim relationship is ended and nothing I can do to comeback or change they dont want me as a customer this is illegal this is discimaitory claiming they have the right not to do business with a customer its like they banned me for no Reason I cant get no checking Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan started with XXXX then sold off to XXXX and now is with Nationstar Mortgage. Since XX/XX/XXXX I have been with Nationstar and they have now TWICE, took out double payments for the months payment. Example in XX/XX/XXXX they took out XXXX then three days later {$720.00}. Now we are in XX/XX/XXXX, they took out {$720.00} XXXX XXXX and another XXXX on XXXX XXXX. Also, they have been trying to charge me a {$25.00} fee due to insufficient funds in my account when they took the second payment out in XX/XX/XXXX as an unauthorized ACH. Do not bank with them, with will be nothing but nightmares, I have made 4 calls to them and nothing was done. Finally tonight NationStar conferences called my bank to reverse the unauthorized payment for XX/XX/XXXX and I have to file paper work now. 
-pure nightmare

Company response to consumer: Closed with explanation