BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: AES/PHEAA
State: DC
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:
As of this writing I owe {$140000.00} in student loan, which has been handled by several companies who have been historically predatory with the interest rates and their predatory practices of so-called debt relief resolutions that target low-income and vulnerable borrowers, as myself has left me with surprise fees, damaged credit, lost loan records and repayment benefits resulting from loan servicer transfers. These predatory loan servicers are responsible for incorrectly processing my payments and how the payments are allocated to my loan, and overseeing billing and loan payoffs. The payments were processed incorrectly, which has lead to my inability to participate in forgiveness programs and the elaborate increase in interest. The fraudulent and deceptive services aimed at helping students " manage '' their student loan debt has personally increased my student loan debt to 5x of the original amount. The first company that handled my student loan was XXXX, account numbers # XXXX and # XXXX, in XXXX ( {$12000.00}, {$32000.00} and {$76000.00} ) which mishandled my payments and advised me to refinance my loan, the second company was XXXX # XXXX in XXXX ( {$22000.00} ), XXXX  # XXXX in XXXX ( {$100000.00} ) and now Fed Loan # XXXX ( {$140000.00} ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
looking at all the data listed I am interested in processing disputes with transunion on my credit report for all inaccurate information listed. this is hurting my file I need all data removed asap. please delete the following information requested.

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 2023-11-14
Company: Bright Capital Inc
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ive used this company before with no issues recently my withdrawal limit was decreased I needed the money for an emergency and for XXXX weeks and XXXX request no results each agents states the same thing the issue will be fixed and if I ask for a manager there will keep on hold for long periods of time and disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: 1 Auto Finance, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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 reporting agency can not furnish a account without my written instructions.

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 response to consumer: Untimely response
Consumer complaint received 2023-03-18
Company: OPORTUN FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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 reporting agency can not furnish a account without my written instructions.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: MA
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, Experian, XXXX continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.

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 2020-11-21
Company: WELLS FARGO & COMPANY
State: CA
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:
I notice a Wells Fargo Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Valon Technologies, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I made a payment on XX/XX/XXXX at XXXX EST, and a payment on XX/XX/XXXX at XXXX EST. I got charged with a late fee both of those months for XXXX each. I emailed Valons email support and they responded that their policy states they are only allowed to credit 1 late fee per a 12 month policy. This policy was never clearly explained to me when my loan was transferred from XXXXXXXX XXXX to Valon Mortgage. I explained that Valons 1 late fee credit per 12 months is predatory and intended to extract as much funds from the consumer as possible, especially considering the actual payments I made were on the XXXX day which is what is allowed by law as a grace period for consumers. After arguing with Valon, I got both late fees waived. Yesterday due to a power outage at my property, I did not have online access to make my payment prior to XXXX on the XXXX, and I was finally able to make a payment at XXXX EST at the earliest on XX/XX/XXXX, within the 16 day grace period. I emailed Valons email support right away for help, but rather than argue in emails back and forth I decided to call in to their customer support to talk to someone and provide documentation of my power outage as I have text notifications from XXXX XXXX that power would temporarily be out at my property. The representative on the phone was rude and didnt have any compassion and told me that the fee would be my responsibility. The call can be listened to at https : XXXX I even asked the customer service to set me up on autopay if shell waive the late fee so that neither I or Valon will have to deal with late fee waivers again as it is likely to repeat considering Valons very strict late fee waiver policy that results in issues because of their early XXXX early cutoff time while the industry standard over the years has been major credit card companies and mortgage companies moving over to a midnight cutoff time. I explained to Valons phone representative that this fee will not be paid and will remain on the account until it ends up in collections and that a complaint will be filed to the CFPB to inform them of Valon unwilling to help a customer out that has tried to reach a middle ground with autopay setup. A company like Valon should really focus on customer support being a new company and winning over customers versus trying to figure out how to make as much profit as possible especially when all my payments have been on the XXXX and it is very clear I am a credit worthy customer based on my credit score and payment record. They could never get me as a customer based on their customer service alone and are lucky to have gotten my business by getting my loan transferred over to them. I hope Valon isnt as greedy as Ive pointed out and will credit me my late fee charged on XX/XX/2023 in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$130.00}

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 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act the following two accounts XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX  have 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

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 2023-06-15
Company: WELLS FARGO & COMPANY
State: TX
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:
XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX. Withdrew ACH {$61000.00} from our Business account : Day Automatic Transmissions Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX. 
XX/XX/XXXX {$12000.00} XX/XX/XXXX {$28000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX We are unaware of how they got our account number to set this up. We were a business of only 4 employees and only my husband and myself have access to the banking accounts. 

We noticed the last WD of {$12000.00} and reversed it. There is an additional {$48000.00} that Wells Fargo is REFUSING to dispute on our behalf, as this ACH is set-up on a 48-hour turn around. We have escalated the incident with Wells Fargo and they are still refusing to dispute the charges on our behalf. They provided us a phone number for XXXX XXXX  which indicates they are aware the funds were transferred to a XXXX account. 

We escalated the fraud claim through XXXX. They confirmed the funds were taken and dispersed to XXXX XXXX XXXX via XXXX XXXX This is indicated on our banking history. 
XXXX with XXXX  ( XXXX ) stated Wells Fargo only needs to dispute on our behalf and XXXX can initiate the refund of funds. Wells Fargo refuses. 

Spoke to XXXXXXXX XXXX, customer care, they have initiated a security claim but without an account number, which we don't have access to, a dispute can not be filed. 

We have submitted our documentation to XXXX XXXX financial crimes against XXXX XXXX XXXX in an effort to recoup the funds. I have not contacted them directly yet as I am waiting for a response from XXXX XXXX. 

Company Name : XXXX XXXX XXXX XXXX XXXX 
Entity Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) File Number : XXXX Filing State : Texas ( TX ) Filing Status : In Existence Filing Date : XX/XX/XXXX Company Age : 6 Months Registered Agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Governing Agency : Texas Secretary of State Wells Fargo contacts : XXXX ; XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX contacts : JXXXX XXXX XXXX XXXX contacts : XX/XX/XXXX ; XXXX ; XX/XX/XXXX I am certain I am missing some dates, I have been to Wells Fargo multiple times looking for support and not receiving it as well as additional calls that are not generally returned. 

Wells Fargo : did not flag the suspicious large XXXX did not notify the business to verify did not freeze our account when it was reported have not done anything to protect us as their customers We missed the 48-hour window, they have washed their hands of us.

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 2023-03-16
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
US bank keeps giving this XXXX veteran the runaround on my FULL and complete tax escrow refund immediately!! I DO NOT owe property taxes in XXXX XXXX any longer because I'm a XXXX veteran. Therefore I DEMAND IMMEDIATELY a full and complete refund of my FULL tax escrow deposit from closing and ALL tax escrow amounts to me via check immediately. US bank has written proof this is the case. ALso, I DEMAND to see an immediate reduced payment amount reflected in WRITING of around 2000 $ so that the no escow in my payment is reflected, and I DEMAND US bank correct my credit report immediately to show the REDUCED mortgage payment with NO tax escrow on ALL THREE credit bureaus immediately. US bank has been dragging their feet on this for a month and a half. I ALSO REQUEST AND DEMAND WHY US BANK HAS INCREASED MY MORTGAGE AMOUNT ON MY CREDIT REPORT ABOVE WHAT THEY ARE SHOWING, XXXX XXXX, AS THIS IS ERRONEOUS AND US BANK COULD NOT GIVE ME A SATISFACTORY ANSWER.

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 2023-03-16
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I never received credit that was due to me, the co-owner of the property along with my husband for a change in home insurance. Midland Mortgage paid out both premiums. Id informed the prior company of our decision to switch our home insurance coverage to our present home owner insurance of XXXX. Since Midland paid both companies it made my mortgage payment increase to XXXX more a month to which I have been paying since XXXX. I need my mortgage to go back down to XXXX like it was before. I need the former insurance company to reimburse me the extra payments they caused me to pay all because they refused my refund. The insurance paid to them was NOT for my husband, but it was for OUR HOME. XXXX XXXX was never sole owner. Thank you for your time and help.

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 2021-12-02
Company: CURO Intermediate Holdings
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:
I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: AL
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 DEPT OF EDXXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 2023-03-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-03
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:
Inaccurate inquires listed on my report 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 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.

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