BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 2023-01-25
Company: BARCLAYS BANK DELAWARE
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 when I was checking my Barclays VISA credit card account, I found that two unauthorized users had been added to my account fraudulently and both had made two purchases each charged to the account fraudulently. I had not authorized any new users to the account nor did I know either of the added users. I notified Barclays that these users were fraudulent and Barclays removed the one user and charges that were made but not the second user. The fraudulent users name that wasnt removed is XXXX XXXX. I do not know a person by this name and I did not authorize the person added to my account. This person had made two purchases on XX/XX/2022, XXXX XXXX for {$43.00} and XXXX for {$370.00}. Shortly after this date, someone changed the users name, password and mailing address to XXXX XXXX XXXX, XXXX, OH XXXX. At this point I was locked out of my account and Barclays would not remove the charges from the account. I have tried unsuccessfully many times since then to have Barclays remove the fraudulent charges but they refuse, saying a card had been used for the purchases. I did not travel to XXXX, OH in XXXX or anytime this year and the credit card has been in my possession since I received it. I have also reported this action to the XXXX XXXX XXXX XXXX. I request that Barclays remove the charges from my account and clear the delinquent postings on the credit reporting agencies.

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 2023-04-26
Company: EQUIFAX, INC.
State: MN
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:
XXXX is not in compliance with regulations or the law. XXXX had consistently violated my rights under the Fair care Reporting Act-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Mid land Funding is reporting inaccurate information to all three credit bureaus for credit one bank. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.

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 2022-10-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have tried to contact the credit card company Express at the fraud line XXXX on XX/XX/2022 and again on XX/XX/2022 and I can not get anyone to help me dispute the fraudulent charges. I also made sure to report the card as stolen. They keep charging me intrest on the two fraudulent purchase made on XX/XX/2022 for XXXX and another on XX/XX/2022 for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I bought crypto-currency through PayPal a few months ago. For no reason and without ANY explanation, PayPal discontinued my account. I read through the User Agreements and didn't violate one single word of it. They informed me I have 180 days to withdraw money and transfer it. However, I do not want to sell my cryto investments, but they will not transfer it into another cyrpto wallet. They are forcing me to sell my investments when I do not want to sell right now. It's a violation of my ability to trade on the open market and forcing me into an action with my investment that I personally do not want to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There was fraudulent charges to my Avent account that I never received a card to so Ive never actually used. The fraudulent charges have all been verified by avant to be fraudulent and credited back to the account, but it took months. The fraud department also credited back only one month of late payment fee for the fraudulent charges. 
Even at this point I have never once used a AVANT card. 

I get emails text messages phone calls mail daily on my Bill they say I owe. Which is the late payment fees and the interest all from the fraud charges. 
The avant account people say the fraud department has to deal with it the fraud department says they cant even look at the account- it Has to be dealt with through Avant people they just push it to the other department nobody will do nothing for months and months and months now. 


I have contacted Avent so many times that they say they can not no longer escalate this issue. Even though theyve escalated the issue is supposed to have looked at it several times nobody from the escalated team has contacted me -never once have they contacted me back to ask questions about this they just claimed theres been no error. when I email the fraud lady that I was dealing with with my case she just emailed me back that she already told me that she can not assist me They are claiming I owe {$100.00} Which is the exact amount they charged for late fees and interest on the items found to be fraud I am not responsible to pay late fee and interest on items that were found to be fraudulent they will not listen As Ive stated several times I have never once use this car there are no other transactions other than the ones that were all found to be fraudulent and credited back to the account the only thing theyre claiming I owe is {$65.00} in fees charged for late payment and {$43.00} in interest on purchases but theres never been a purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a direct deposit of approximately {$1900.00} on XX/XX/XXXX. This deposit has been removed from my Wells Fargo account without my knowledge or permission. 

Wells Fargo can not tell me why this has occurred or when it will be resolved. They have also stated that they are not sure if they will be able to refund any overdraft fees that occurs as a result of them taking my money.

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 2021-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2021 I noticed that a Bankruptcy was listed on my credit profile. I called the Court House and asked if they share any information with the credit bureaus, but they shared that they do not. I sent a letter to TransUnion asking that they need to delete and remove this information, but they responded saying that the information was " verified as accurate. '' I then sent a letter to the U.S. Bankruptcy courthouse stating that TransUnion reported this information as accurate, so I asked the courthouse to send me all documentation that they used to " verify '' my identity with TransUnion. The Courthouse responded with a letter saying at they do not in fact share any information with third party gatherers ( letter is attached ). This is a pure violation against the FDCPA and my privacy has been breached without my consent.

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 2022-10-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked XXXX, equifax and XXXX  to remove any addresses associated with XXXX XXXX. These companies did not comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new Walmart - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were forgiven in XXXX of 2022 However, I had filed a borrowers defense case against XXXXXXXX XXXX and I was approved for discharge. 

I should be receiving a refund on those payments made prior to the forgiveness. 

I am now with a degree that I was promised career choices with and that did not happen. I spent two years working so hard on this degree with the intent of transferring positions to find out the degree did not allow that. 

I am now in the discharge group, I have contacted Department of Education in regards to my payments refunded, they told me to contact Mohela. After 4 failed email attempts, I called and was told they don't know anything about the discharge or refunds. 

I made payments and need the money returned for this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the charge off that appears on my credit report, which I believe to be inaccurate and incomplete. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), I am entitled to request that the credit reporting agency investigate and correct any inaccurate or incomplete information on my credit report.

Specifically, I am disputing the accuracy of the charge off that appears on my credit report, which is a violation of the FCRA 623 ( a ) ( 2 ). The charge off was reported by XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX for an amount of {$1300.00} or {$0.00} I'm unsure? Date of Charge Off is unknown because does not show on credit report. Date of last payment says XX/XX/2022 but shows no payment history. However, I believe that this information is inaccurate and incomplete, which is a violation of the FCRA 623 ( a ) ( 1 ).

In accordance with the FCRA 611 ( a ) ( 5 ) ( A ), I have enclosed copies of my credit report to support my dispute. I request that you investigate my dispute and, if you find that the information is inaccurate or incomplete, correct or delete the information in accordance with the FCRA 611 ( a ) ( 1 ) ( A ).

Please send me a written response to this dispute within 30 days of receipt of this letter, as required by the FCRA 611 ( a ) ( 2 ) ( A ). If you are unable to complete the investigation within 30 days, please provide me with an explanation of the delay and an estimated completion date, as required by the FCRA 611 ( a ) ( 2 ) ( B ).

Thank you for your prompt attention to this matter.

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 2017-11-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have asked Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) to provide me with document to show me how did they lose {$22000.00}. What i mean is document shows itemization. i have contacted them twice and each time they promise someone will call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The three credit reporting agencies which are Transunion, XXXX, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus (XXXX, Transunion, & XXXX). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 (a) 1 (A) you are required by federal law to verify with the physical original signed contract.  The credit bureaus state that they don’t have proof to provide me with & I am demanding these accounts be removed XXXX   XXXX XXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXX, & XXXX/XXXX XXXXXXXXXXXXX

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 2019-08-05
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Monday, XX/XX/XXXX, I spoke with Citibank mortgage representative XXXX XXXX to discuss rates. We were quoted 3.5 % in writing without relationship pricing and we decided to lock-in the rate on XX/XX/19. We were also told that if we transferred over assets that our rate would be reduced. Per my conversation with XXXX XXXX and outlined on the link below, please see the schedule of relationship pricing discounts : XXXX XXXX XXXX XXXX I opened an account on XX/XX/19 and deposited {$500000.00} in assets to be eligible for the 3/8 percent rate discount per the Citi mortgage relationship pricing schedule. I contacted XXXX XXXX on XX/XX/19 to inform him that I had moved over the $ XXXX in assets and I provided him with the new account number to be eligible for the Citi mortgage relationship pricing discount of 3/8 percent. At this point, XXXX said that the rate we locked-in included the relationship pricing at the {$500000.00} level and my rate was 3.5 %. I said that this was not correct as he had said on XX/XX/19 that our final rate would be further reduced with the relationship pricing. I, then, requested that he go back and listen to our conversation on XX/XX/19 where he very clearly quoted this on several times during our call. He said he would have his manager listen to the call and have his manager get back to me. As of now, I still have not heard back from his manager and it's been over roughly 1 and half 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 2023-05-12
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan servicer, Edfinancial, started moving my loans to their new system on XX/XX/2023 as stated in an email I received from them. I was told that two weeks after the transfer process begins, I will need to register for a new online account on their website 'Edfinancial.com/MyAccount '. I attempted to register on XX/XX/2023, over two weeks after the transfer had begun. The new system told me it could not find my account, despite several attempts and double checking that I had my info correct. I contacted a support agent, XXXX, via live chat on their site. She told me that they had extended that two week period and said that the system wouldn't be ready until next week. I asked why hadn't this been communicated to me and if they would let me know when the system would actually be ready. She told me that they wouldn't be giving any notice of when it would be ready, I would just have to check back with them. 

When dealing with large amounts of money, it is frustrating when the company managing my account doesn't communicate, applies payments to the wrong loans ( see my previous complaint XXXX ), and has bad support that is difficult to get in touch with. 

Quoting their email about my account transfer : " Edfinancial Services will continue to be your student loan servicer and will remain in communication with you regarding updates to your account. '' This alleged communication has been nonexistent. I check my account regularly to ensure accurate account info, and to make sure I know when payments are due. Per my last complaint, I no longer trust Edfinancial to apply funds to my account correctly, and having no access to my account and not knowing when I will regain that access is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
AutoPay authorization was set-up for a specific amount, and Lightstream withdrew a balloon payment despite not having authorization for that amount. Additionally, their website incorrectly reflected the amount that was going to be withdrawn, resulting in a overdraft fee on my personal checking. I transferred funds to my checking account to cover the payment, however, Lightstream refuses to refund the fee that was incurred due to their broken website and unauthorized payment.

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