BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of ID Theft and I have been trying to get " Transunion '' to remove this fraudulent account from my report after sending in ; police report, FTC report and proper ID to get them to remove the fraudulent account. After months of trying to get TransUnion to block the account, the account still is reporting on my credit. 


Account still reporting : " XXXX '' ( I DID NOT OPEN THIS ACCOUNT, IT 'S FRAUD!!! PLEASE REMOVE!! )

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 2018-09-18
Company: AES/PHEAA
State: NY
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:
First, about a month ago, AES charged me {$4000.00} in interest for ONE day and they also would not help me change my due date to better suit my paychecks. Then they negatively reported my account to the credit bureaus. After reporting them to the XXXX, they fixed it. 

Now the payments are due on the XXXX of each and every month. This past XXXX (XX/XX/XXXX ), I noticed my payment did not come out of my checking account NOR did it post to my account on AES. When I checked to make sure that no payments were pending, I made a payment as a warning on my account said the payment was due and late. Note that I believed I had a direct debit set up but their system said I did not. So I made a payment. I then checked the next day and it now showed two payments ( one on the XXXX and one on the XXXX ). I called them and complained and said they needed to return one payment and I told them the problem and they said " there is nothing they can do and it would take 30 days to return my money ''. This is NOT ACCEPTABLE. This loan company has been XXXX  me over for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, entered into a credit consumer contract with Bank of America. They have not done the proper investigation requested. They have violated several of my consumer rights. This has seriously hurt me as a consumer, and has caused a lot of stress. This alleged debt has not been validated. They also shared my private information which is also a violation according to 15 USC 1681a ( d ) 2 ( a ) i.

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 2022-03-29
Company: EQUIFAX, INC.
State: MS
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:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: OH
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:
My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX  XXXX XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my 32-year credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was hospitalized for when I had the first financial hardship. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XXXX XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

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 2018-01-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
At the beginning ofXX/XX/XXXX, Coinbase closed my account with their service and their exchange GDAX. I had been a customer of theirs since early XXXX. My account closure has caused me significant financial stress when dealing with digital currency. I have reached out to Coinbase support many different times asking for any explanation for my account closure. I have recieved nothing from them offering any sort of explanation or help to resolve this issue. The customer service has been nothing short of awful to someone who has been a customer of theirs for nearly 4 years. I still have get a resolution, just non-existing support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I got a {$2800.00} dollar check from a girl named XXXX XXXX that I met on a XXXX XXXX XXXX who was going to take over my apartment lease. I also got a photo of her Drivers License so she could prove she was real. It was from XXXX XXXX XXXX and looked like a legit check from the outside. She said the money was from her company to accommodate housing and moving fees. She said she need {$1800.00} to pay off the movers and the rest would be used for the first months rent. She asked if I could deposit the check and use part of that money to pay the movers for her as she wasnt able to get XXXX separate checks for me and the movers. I deposited the check and saw the money in my account. However, I still called WellsFargo and asked them in the money was in my account and ready to use. They confirmed they saw the deposit and told me everything was fine. They gave me now warning about the check possibly bouncing. I went ahead and paid the movers through XXXX. A few days later, all the money from the check was removed from my account. I could also no longer contact XXXX. I called WellsFargo and they said it was a bad check and took no responsibility for the initial call when they confirmed the money was in my account. If they had given me the slightest warning that once the money is in, it can be taken out, I would have never sent the money. This means that since it was a bad check, I paid the movers {$1800.00} dollars of my own money. I have been taking to WellsFargo for months trying to get the money back as it was sent thru XXXX, which is ran by them. However, after filing claim after claim, they told me it wasn't possible because I knowingly sent the money. I have so much proof that this girl was a scam and all I asked is if they look into the account this money was sent to but they won't even do that. Now, they are saying there is no way I can get my money back. 

There are so many incidents of scammers using XXXX to get money from people. I was as careful as I could be and trusted my bank which now I realized is where the problem was. I just want WellsFargo to be held accountable for not giving the proper information to their customers and not helping them when dealing with scams.

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 2018-01-09
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX 2017 I, ( XXXX XXXX ) reported to Experian that there was a collection Debt on my report that belonged to my XXXX sister, XXXX XXXX. XXXX XXXX XXXX was the collections company and the account was from XXXX XXXX in XXXX XXXX, Wa. where my sister lived. I have been living in XXXX, AZ for the past 11 yrs. My credit, as well as the DMV have mixed mine and my sister 's info up before so this was no surprise however it is very frustrating and really should n't be happening. So I disputed this collections debt with Experian and after their " so-called '' investigation Experian closed the claim stating the information was accurate and refused to take it off my report. Obviously upset, I then called the creditor, XXXX XXXX XXXX and immediately find out that the lease was indeed in my sister 's name, ( not mine ) along with XXXX XXXX. All their information i.e employment, date of birth, ss #, personal references was correct with their information except somehow my credit was pulled up during the application process. Clearly someone should have noticed immediately that the name on the credit report did not match that of the applicant/tenant. So XXXX is now removing my ss # from the account, has changed it to my sister 's, and will notify my creditors to have the collections removed. I found all this out in one phone call to XXXX. I do n't understand why Experian during their investigation could n't figure this out. Something is definitely wrong with our system and with today 's technology it 's just completely unacceptable!

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 2019-04-26
Company: SUNTRUST BANKS, INC.
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:
I purchased what I thought was XXXX dollars of XXXX Clothes. 
In XXXX on the XXXX I discovered I was billed over XXXX! 
I immediately called Suntrust I was told to wait 6 months. 
Over and Over again. I was told to wait 6 months. 
I waited six months. In that time I contacted the seller 5 times to no answer. 
I contacted XXXX. They sent an email stating it would have to be a bank reversal as this consultant had no answered their emails or calls as well. 
I opened a fraud case # XXXX. First the money was put into my account and then I received a letter. It said they had made a mistake and took it out XX/XX/XXXX. 
Next I received a letter saying I had to file within 60 days so they closed the case, I was told 6 months via phone in customer support NOT 60 days.

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 2021-07-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I filed a dispute with XXXX  as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of experian XXXX XXXX on XX/XX/2021. 

I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. XXXX  has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with equifax and XXXX  which I have not filed disputes with yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: GreenSky, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had identity theft and this company was listed on my credit report and they refuse to remove it. The balance now is {$3200.00} and its reporting on my XXXX credit report and has been showing since 2019. I filed a police report with the XXXX Police Department The company name is XXXX XXXX XXXX GreenSky acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I signed up for classes at a school name XXXX XXXX XXXX here in XXXX, Michigan, and I was pretty much tricked into taking out a student via XXXX XXXX and the school was part of a Ponzi scheme, and it closed without warning. I had filed for bankruptcy and tried to get rid of the student loan debt ; but it did not work, so I filed for a adversary proceeding in court against XXXX XXXX back in XXXX/XXXX ; There was a lawsuit filed against this school for breach of contract and misleading students ; I went to court to try and discharge the loan. I also had a Federal loan as well, but this was in regards to the Private loan ; I continued to pay on the federal loan as agreed with the judge ; and the judge told me to submit discharge papers and information to XXXX XXXX ; they have been giving me a head time ; the courts awarded a judgment in favor of the students, but XXXX XXXX, now Navient will not discharge the loan ; they are claiming I was not enrolled, when I was ; obviously there is a loan right, that 's proof right there. If you review the case you will see the court ruled in our favor, and I have been sending Navient excerpts from the court proceeding as well as the article about this Ponzi scheme and they still refuse to work with me and remove the loan from my records. It has damaged my credit and they will not work with me and its frustrating. I see all of the lawsuits in the news about Navient, not willing to work with people and forgive the loans ; what can be done to help get this off my records. I would greatly appreciate your feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for and was granted a loan modification in XX/XX/XXXX. I was XXXX years old and XXXX and on social security my husband was unemployed and his unemployment had ran out. I am now XXXX years old, my husband is still not working due XXXX XXXX XXXX and XXXX. My family has been helping us keep the mortgage current but they are slowly stepping away. I do n't want to lose my house. I have fought for this house for so long. I will find a way to keep to my payments current. The mortgage company told me on XX/XX/XXXX, I qualified for the HARP Program I spoke to XXXX XXXX at Ditech Financial XXXX ext. XXXX. He told me in detail that I would received {$5000.00} off of my principal on XX/XX/XXXX and every year after that I would receive {$1000.00} off my principal until the 6th year. then I would receive another {$5000.00}. and so for and so on for the life of the loan. I was also told this by other parties that work for the company. But I get a call in XX/XX/XXXX from XXXX XXXX now stating that I will only be getting a one time {$5000.00} off the principal. I feel like this company is trying to take advantage of the elderly. We have already been taken advantage of by XXXX XXXX XXXX. Now this company to! Because it was explained in detail how the program is suppose to work I feel like something is wrong. Because now he is telling me that they are putting me in another program. It is called Pay for
Performance. What Performance! I have been struggling to pay!! Are they telling me one t
hing and doing another and pocketing the other money? It just does n't feel right! Please investigate  this process!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal has taken {$620.00} from my bank twice, yet only credited my account once. XX/XX/XXXX from my debit card, and XX/XX/XXXX from my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: Checkr, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The criminal offense of unlawful driving away says I got XXXX XXXXs on my license I havent had my license for 15 years I got it back two weeks ago how can I have points on a license I dont have also there is what seems to be duplicates of the same thing mainly failure to comply it says that ten + times also there is a no proof of insurance that was dismissed that should not on there I was recently at the Secretary of State and I was told my drivers record was like I first got it I am currently on ten months of probation like I was when I got my license when I was XXXX through the Secretary of State

Company response to consumer: Closed with explanation