BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
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:
I have made my monthly payments for XXXX and XXXX. The payments have posted and show paid at my bank and on Mohela 's website. Yesterday I noticed that there was an alert on my account that I do not owe a payment for XXXX as they " update my account. '' I called today, XXXX to ask what would happen with my XXXX and XXXX payments, and the rep " didn't know. '' The rep even asked their supervisor and they had no answer as to what would happen with payments that I apparently didn't even need to make. I asked about a refund or a paid ahead status and they had no idea how they were going to handle the payments, they said. They told me to monitor my account and there might be more information in a few days. This is totally unacceptable. How could they not have a planned ( and written ) procedure put into place before updating accounts and posting important account update messages to borrowers ' accounts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2018-01-29
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Superior Court of California regarding XXXX XXXX XXXX. 

I don't know who this company XXXX XXXX XXXX is as I never had an account with them. The notice says it's collecting for XXXX and I also never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Victim of Identity theft Beginning XXXX. Numerous Police reports Filed. In 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 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 2022-02-23
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2019 I went to the XXXX  located on XXXX XXXX XXXX, XXXX, NY XXXX to send {$250.00} to my sister in Maryland. I paid an additional {$24.00} to have the money order expedited. My total came to XXXX. 

The following day when my sister went to retrieve the money order she was told that there was an error in the transaction and that the funds were returned to the sender. 

Upon returning to the location, I was told by one of the cash attendants that the funds were already paid out. 

After multiple calls to their head office, they only could tell me that it was paid out. After several other phone attempts I was told I should contact my local precinct if I thought that I had been defrauded. 

The precinct did investigate the matter and the results are included in attached files to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
Bank of America clearly does not know the definition of fraud. Someone fraudulently used my card and charged {$230.00} without for a XXXX transaction on XX/XX/2022. I contacted XXXX and disputed the account. They refused to credit the transaction and provide any details about the reservation and the email address associated with the account was not mine. I contacted Bank of America and requested of them to take the charge off due to fraud. My account was issued a temporary credit for the amount. 

Today, I received a letter from Bank of America indicating that the are denying my account because the merchant provided proof that the reservation was made by me. This is false and the Bank did not even bother to call the hotel because no-one stayed at the hotel on that date. I want Bank of American to contact the hotel in question and issue me a permanent credit for {$230.00} as this fraud claim is valid.

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 2022-02-23
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: Report provided to employer without your written authorization

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  IL XXXX account XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-10-16
Company: EQUIFAX, 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 have this account on my credit report I have for it to be validated but they have not this one is not mines XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with XXXXXXXX XXXX ( an online bank that is a division of the First National Bank of Omaha ) in early XXXX and deposited {$20000.00} almost immediately. 
On XX/XX/23, I received an email stating that my account had been restricted due to " activity that requires further evaluation '' and that someone would contact me. The money was transferred out of my XXXX checking account, into XXXXXXXX XXXX, on XX/XX/23. On XX/XX/23, I emailed XXXXXXXX XXXX to ask why no one had yet contacted me. I received a response on XX/XX/23 that my inquiry was being sent to the correct team. No one contacted me. I followed up on XX/XX/23, as I had yet to be contacted, again demanding that someone reach out to me about the steps needed to remove the restriction from my account. It is now XX/XX/23, and I have yet to be contacted, and my account is still restricted. I have not had access to my {$20000.00} for 48 days now.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Employer is showing on my credit report after I stated to remove 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I constantly pull conversations with different personnel or employees with this company explaining the issues and problems that I'm dealing with. I had to file with the trade commission and also finally got in touch with the CEO for the XXXX XXXX when issue I'm having with XXXX XXXX XXXX on a recall on my vehicle that turn into issues of them trying to have me pay {$3600.00} and then they went down to {$3200.00} and XXXX but after speaking to the CEO and the specialist of the company they are sending my complaint to them where they should be contacting me and things should be a lot better than their first initial payment request this has caused me to have to rent a vehicle at {$89.00} a day I did that for 3 weeks it has put me behind and a lot of my personal Monday bills this particular manager continues to come to my home and harass me name XXXX and make threatening letters or statements and is considered harassment I wanted to stop immediately or whatever necessary steps that I need to take with you guys and handling this particular company I am willing to do so they're not the only company I deal with and everybody else is understanding I don't even have a vehicle right now into my issue is to handle with XXXX XXXX XXXX. So I am following this complaint so the harassment can stop immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried from the beginning of XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: SANTANDER HOLDINGS USA, INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XXXX  Chrysler capital at XXXX XXXX XXXX Loaned me XXXX for a XXXX  XXXX XXXX  with flat tires and barely any oil!. I tried to take it back not even 24 hours later due to all the vehicle problems and they told me they were not going to take it back!. I was informed All sales are final even if you dont want it because of all the issues!. So the vehicle is a scam and now the loan to!. Once I noticed all the issues with the vehicle I started to see another problem like sky high interest rates with compound interest due to Covid stopping my payment!. So with in a year of buying this lemon my payment not doing anything just straight to interest!. Even when I pay them with an over payment of $ XXXX and still my balance is not going down. Its going up. 
About XXXX later still the balance is over {$32000.00} is an estimate I have proof and statements!.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: AES/PHEAA
State: TX
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:
Being charged an incorrect amount of interest and also the loan payments applied for the month of XXXX and XXXX of XXXX were distributed incorrectly. Called XXXX servicing ( XXXX XXXX XXXX XXXX XXXX ) customer service line twice to correct this error and sent several emails. The agents agreed to make the corrections, however, they never took place. I tried calling a third time on XX/XX/XXXX at XXXX Central time but their automated system did not provide the option to direct me to a customer service agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2018-02-12
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX I applied for a XXXX loan online with XXXX, made 4 payments of XXXX and wrote them a letter stating that I was in hardship could we work on payoff amount and I would guarantee whatever I could afford to send at that time, no reply back, no emails, nothing. I have been receiving phone calls all week XX/XX/XXXX from a private number, on Friday they directly called my work and spoke with my boss who therefore pulled me into his office telling me they were serving me papers by XXXX XXXX. At this time I called the XXXX number they had listed the woman was very rude and then switched me to a XXXX XXXX who said if I paid them today they would cancel the the papers being served, of course embarassed that they had actually spoke with him. I gave them over the phone my debit card and paid XXXX towards this debt, they are telling me that I owe a total of XXXX??? I only took out the XXXX. Please advise as this was a third party ( XXXX XXXX XXXX ) debt collector and needs to get a little bit of ethics on dealing with people who struggle and do have lives, I do not want to be disturbed at work or home as I have reached out to them in XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

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 2021-02-04
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX a kid named XXXX XXXX was at my house helping do yard work. The next month my " XXXX  '' card was maxed out {$1200.00} I tried to get a ballance transfer of that card to XXXX  XXXX and was denied because " XXXX '' reported it to credit agencies. There isnt much I can do, I live on SSI and have a very hard time speaking to people. A company bought my debt from creditone and in XX/XX/XXXX I recieve a letter from the courts saying I need to apear for a payment hearing. Meaning LVNV Funding LLC had already taken me to small claims court without any notification. Or proving that I owe them any money period. The person who spent the money on the credit card died in XXXX of a XXXX XXXX. So I don't know what course of action I need to take. LVNV Funding LLC used the courts to legitimize a debt to them. They have since hired another company to manage collecting this from me. Adding court fees on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The following account shouldnt be reporting on my credit report the name of the account is called 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 2023-08-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We are getting so frustrated with Freedom mortgage. We made a {$2500.00} payment on XX/XX/2023 over the phone. Freedom mortgage withdrew the {$2500.00} from our XXXX bank account ending with XXXX on XX/XX/XXXX and did not credit to my balance till today. Called multiple times, spoke to many of their employees, different answers, provided bank statement shows the withdrawal and still can not get through to them, we are dealing with an incompetent staff. We keep track of every payment we make. Freedom mortgage needs to be investigated, this is considered fraud. In addition, We are still waiting for our repayment plan approval, we sent ppw to them and they always respond that they did not receive it, yet we have confirmations whether it was faxed or emailed to them. We are going to fight until this is resolved even if it goes to court.

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 2022-02-23
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
To whom it may concern, I got into an auto accident on XX/XX/2021. 
The insurance company paid my leased vehicle for total loss. They paid {$31000.00} to pay off the car. 
According to the lease agreement I signed on XX/XX/2021, I paid a single payment of {$21000.00} in advance for 36 months contract. The residual value is {$19000.00} and the disposition fee is {$400.00}. 
I believe the amount of {$31000.00} Kia Motors Finance agrees to release and transfer all of its rights is too much for me as a consumer. 
I understand that this is early termination and that there is a 24-month contract left. However, I paid a one-time payment that is a large amount of money in advance for a 36-month contract period and did not consider it at all.

I contacted

them and they said they had every authority over the amount because the owner of the car was them and I was the borrower.

I have not received any documents from Kia Motors Finance regarding this and have not been notified of the progress. I contacted them and asked for it, but they were rejected, and I can't agree with their decision at all.

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