BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
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:
I am in need of a complete record of my student loan payments. Per the Dept of Education website, this should be available through my current servicer Mohela ( " your current servicer has a complete record of your payment history, including payments you made to your previous servicer. '' ) After my request in XX/XX/XXXX, Mohela has only sent me payment records dating from XXXX. However, my first student loan went into repayment on XX/XX/XXXX. I am requesting ALL payments made since that date. When I requested this information again, in XXXX, Mohela AGAIN sent me record of payments starting in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After review, it was determined that XXXX accounts were opened fraudulently under my name. I reported the accounts and sent the FTC documentation of fraud to Salle Mae on XX/XX/XXXX. The loans are for {$20000.00} and {$5900.00} first disbursed on XX/XX/XXXX and XX/XX/XXXX. Sallie Mae said if they required further information, they would reach out to me. I received no follow, no notification of investigation, no response whatsoever until XX/XX/XXXX where they reapplied the loans to my credit and damaged it further. I was never once contacted by Sallie Mae after sending in all of the documentation from the FTC. They only offered one explanation for why the loans were removed then reapplied by stating " we could not confirm identity theft. '' After XXXX days passed, on XX/XX/XXXX, Sallie Mae responded stating they could not confirm identity theft however, they also did not state they could deny it. The family member who took the loans out and had access to my information has since passed before I was aware the loans even existed. Sallie Mae was also provided the FTC 's letter of notice to furnishers. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discontinued my XXXX XXXX XXXX in XXXX XXXX and closed out my account in-person the same day I cancelled. They stated that I did not owe any additional fees and I have never received notice otherwise. That is until Radius Global Solutions reached out today, Friday, XX/XX/XXXX, stating that I owed XXXX XXXX {$30.00}. I contacted XXXX XXXX and they were unaware of what I speaking about as I have no linked account with their company. I tried speaking with Radius Global Solutions, but am unable to clear the owed amount without verification from XXXX XXXX. They will not communicate with each other and I am not going to pay the {$30.00}, as I do not owe this money, but do not want this to reflect poorly on my credit. Hopefully this can get cleared up soon.

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 2023-01-13
Company: EQUIFAX, 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:
I have an od XXXX XXXX that was closed in XXXX  andvyuou guys are reporting me delinquent for XXXX XXXXXX/XX/XXXX on my equifax report How? Is this possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a customer with Wells Fargo for over 20 years, and Wells Fargo has charged me an over draft fee on {$1.00}. and change. If the bank pays out less then a couple of dollars there is no reason I should be charged {$35.00}. I was extremely disappointed that I was a customer for so many years yet still was charged an overdraft fee. When I called in to complain I was told I could get a partial refund. I think that was ridiculous as I was a long time customer and figure it's just a way Wells Fargo looks to make money off of their clients. It's no wonder this economy is the way it is. There is always someone trying to get over.

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 2023-01-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being repeatedly called by XXXX in regards to the XXXX credit card. I have been out of town as an immediate family member died suddenly. I missed XXXX payment due date while I was gone because I had family matters to handle. I have a payment scheduled. I was called XXXX times today ( XX/XX/2023 ) alone. The times are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told them a payment was already scheduled and just buried a family member and their behavior is extremely harassing. I asked them to stop calling me. I have NEVER had a credit card contact me so relentlessly over XXXX missed payment. This has been going on for XXXX  days straight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a used car from a dealership and obtained financing through Wells Fargo. In order to make a principle payment on the loan I have to call them and not use the website. Then, they take the money but wait XXXX hours before applying it towards the principle during which they are still accruing interest on the original principle amount. I have also had to call back multiple times because they didn't actually put the money towards the principle. They instead put it towards future loan payments even though they said that they saw on my account that it was supposed to be applied to the principle. Wells Fargo is doing this so that they can continue to collect interest on the full principle amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Nelnet, Inc.
State: KY
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:
My loan was transferred from XXXX to NelNet. The balance may be accurate, although I believed it to be lower, the problem lies with the verification, none of my payment history transferred over, my wife 's loans were transferred to a new provider and her complete payment history is available, the same is true for some of my other friends. This feels deceitful and predatory, it feels like they're hiding information from me for a reason I can only assume benefits them and costs me. How am I supposed to know the balance is correct? Shouldn't a complete payment history be included in the transfer to the new loan servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased home around XX/XX/XXXX while I was XXXX XXXX in the United States XXXX. I used a XXXX  home loan. The home was then sold as a short sale in the year XXXX. I had a drastic decline in my finances due to getting out of the service in XXXX, and being unemployed. I contacted Wells Fargo who I sought my mortgage through and no help was offered at the beginning or end of everything I ended up losing my home to a short sale because this is what I was told would be the best outcome. I was a first time homebuyer at the age of XXXX and had no experience with this type of loan or knowledge that there was help available. The short sale destroyed my credit score significantly, which I understand why do to the short sale and any job I applied for that required a clearance required a credit check as well and since the home was on my credit report I was not able to secure a well paying job. Please be very aware before purchasing a home especially if it is your first home and beware of the business practices that Wells Fargo is known for. Do as much research as possible. If I would've been older and know and understand what I know now I would've never purchased a home at my age under my circumstances with Wells Fargo.

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 2023-12-05
Company: MOHELA
State: PA
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:
My loans were transferred to MOHELA in XXXX, and since then there have been myriad concerns with how they have handled the PSLF process. On XX/XX/XXXX, I submitted an XXXX for an employer from late XXXX through early XXXX. That is still being processed ( it was labeled a duplicate though I had resubmitted this because there was an error on the original form ) and those have yet to be certified. On or about XX/XX/XXXX, I had a phone conversation with a MOHELA agent about those same payments, and was told that they would qualify and that she was going to adjust things on the backend to make sure that they counted. That has yet to happen, and those payments would have put me significantly over the 120 required payments. 

In any event, I had submitted an ECF from my current employer on XX/XX/XXXX of this year, and those payments would have allowed me to reach 120 payments even without the aforementioned payments that have yet to be counted. I also indicated that I wanted a forbearance while these were processed. Despite this, my account was debited in early XXXX, and despite additional written requests ( and a phone request on XX/XX/XXXX ), my account was once again debited this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm looking over the document and that's not my signature I don't know what scam was done but I don't like it and this is a lesson learned too never do business with crooked bank like this in my life I know something wasn't right but couldn't put my finger on it

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged overdraft fees on my account that were not supposed to have been charged. These were supposed to have been refunded per class action lawsuit but the account is closed and I have not received a refund for these fees.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 report should not have a certain account on each report. Ive paid all that I owed.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
I submitted documentation of federal protections for severe XXXX XXXX victims. I was told I needed more supporting documentation. As a US citizen, I am entitled to protections.

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 2023-06-15
Company: Convergent Resources, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 States : A consumer reporting agency 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 information solely as to transactions or experiences between the consumer and the person making the 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind my mortgage I applied for the XXXX loan modification. I made my three payments and the bank for closed anyways.

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 2023-01-13
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
To Whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly investigate, update and delete addresses that i never resided and may possibly be listed on my credit report due to fraud. Please remove all other names variations immediately. 

Collection Account : BRIDGECREST - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
EQUIFAX -- you have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BARCLAYS BANK DELAWARE
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 XXXX Account # 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 States : A consumer reporting agency 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 information solely as to transactions or experiences between the consumer and the person making the 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX this year, I received an email that Im no longer use Paypal. I ask them whats the main reason why i cant use my account then I sent an email and called the customer service but no Response about my problem. 

I already submitted my personal information such as documents, bank accounts, etc. but still they always asking multiple times. 

I am so worried about this because I am in XXXX right now because of work and business related stuff. 
I always access my Paypal account through my phone and laptop. 
I am so stressed about what happened to may account.

As Freelance and business owner we use Paypal for payment transaction because its convenient for our client outside the country. 
We withdraw then pay our Artist daily per client and now having problem with paypal because of limitations, our salary was Onhold. 
I hope we can fix this problem. So much Pending Clients are still looking for our services right now, I hope it will fix so I can pay my artist for their hard work. 

Please help me resolve this problem. 

Thank you, Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I signed up with XXXX XXXX XXXX. They told me via email that I was not approved for the platform due to my Auto Insurance Score from TransUnion. After logging into TransUnion 's website to check my Auto Insurance Score, I was unable to locate it. I contacted TransUnion 's Customer Service Team and I was told that this is not something they provide. I then reached out to XXXX and they told me they also could not provide it. Yet they tell me in the email that I have " You have the right to dispute the accuracy or completeness of the information provided to us by contacting the consumer agency directly within 60 days of receiving this notice. TransUnion did not, however, make this decision. '' However, how can I dispute something when I have no information to base my dispute on. TransUnion clearly says they do not provide the AIS Score. This in my opinion violates the FCRA.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief