BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: AES/PHEAA
State: VA
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've been trying to make my payments to AES on time and ahead of schedule, however, my payments are not being processed as I have requested. 

I've had problems with my Loan being processed as I have requested. 

Non of my Loan Payments were processed as requested in XX/XX/XXXX, until I called several times to have AES process my Loan Payments as requested. 

Now again, for the month of XX/XX/XXXX, I submitted payments for all my Loan Sequences at the same time. After calling several times, all Loan Sequences were finally paid after being not being processeed as I requested, except one. 

I requested AES apply {$140.00} Loan Payment to Loan Sequence XXXX - XX/XX/XXXX. 

But Instead AES split my {$140.00} Loan Payment among FIVE ( 5 ) Loan Sequences : Loan Sequence XXXX - XX/XX/XXXX, AES applied {$9.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$2.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$1.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$60.00} to Principle - {$21.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$44.00} to Principle - {$0.00} to Interest This is very frustrating for me. I have to call several times for AES to finally process my Loan Payments as requested. 

AES has blocked me from making online payments as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and 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 XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX and XXXX 15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATESYTHE REPORT BY MORE THAN 7 YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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:
Along with a copy of the Identity Theft Report, I have also enclosed copies of my Drivers License, Social Security Card, and Utility Bill for your reference. 
The law clearly states your Civil Liability under FCRA Section 616 & Section 617 in case you fail to comply with the Federal Law. Moreover, I intend to enforce my rights under the FCRA and to pursue rightful litigation in this matter should you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
I'll keep this brief. I opened a checking and savings account with Wells Fargo in 2018. As I'm sure you, the reader are aware, there was a historic data breach and criminal conduct on the part of the bank. I actually wasn't aware of the scope until recently. Anyway, my accounts were constantly being hacked, frauded, all of my info compromised-all over the internet. Other bank accounts opened in my name. Money stolen out of other institutions probably from their data negligence. I work in private equity so I was pretty stressed already, but then identity theft on top of it... it was horrible and still is. I reported the identity theft to wells fargo, really didn't change anything. Still fraud, new products being applied for or taken out ... in fact one day I was in my office and fedex drops off a portfolio from Wells Fargo, an investment one. I had never even given out my work address, and do all of my investments through XXXX. My credit is in the gutter now, because of the idenitty theft. I was constantly paranoid, and buying new electroincs and all sorts ofproducts to try to safe guard my life, but nothing worked. I am now in a dispute with them over something else, and am pulling my business, but I wanted to know what I should do regarding the identity theft piece? Is there any recourse? Who should i officially file idenity theft with, besides teh bank. And is there any way to get a car loan or credit card if you workl, but are a victim of idenitty theft. I would watch people hack into my paypal accounts foreign countries, using my data and using credit cards to buy mass purchases, and here I am and can't even get an unsecured cc or a car rn. Lastly, this saturday I needed some cash in my wells fargo account, so I took one of my XXXX  checks, wrote it out ot myself and mobile deposited it. Thought nothing of it, perfectly legal. I got an email this afternoon that they would be closing my checking account, as the check that I deposited seemed to be " altered. '' I mean it's so unfathomable ... of course it's altered, it was a blank check of mine from a different institution and needed to be written on. Thank you. 

Best, 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 2019-08-19
Company: Navient Solutions, LLC.
State: NC
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 began with service by Sallie Mae. Later the loan was sold to XX/XX/XXXX and again later to Navient. The loan was taken out on XX/XX/XXXX. I began paying on the loan after graduation in XX/XX/XXXX. I have been paying on the loan for eleven years and the balance seems to not be going anywhere. The main issues is that in XX/XX/XXXX, I asked Navient for a history of the declining balance. What they provided me did not show payments I had made from XX/XX/XXXX - XX/XX/XXXX as credited to the balance history. This is more then $6,000 in payments. After noticing this, I worked with my bank to obtain proof of these payments. I called Navient and told them of the issue and faxed the cancelled checks to them. Navient sent me an email response stating that since the payments that are not showing on the loan history was when the loan was serviced through XX/XX/XXXX that I would need to contact XX/XX/XXXX. I tried to find contact information fromXX/XX/XXXX. Since my loan was sold to Navient, I no longer had access to my XX/XX/XXXX account online. The website has no phone number or way to reach XX/XX/XXXX. I finally found a phone number for what I thought was XX/XX/XXXX to find it was out of service. I believe there are other payments from earlier in the loan that were not applied to the balance but my bank is unable to go that far back for records. For now, I ask for your help in moving forward with what proof I have of payments to find a resolution to this problem. Any help you can provide for me would be more than appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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:
Complaint involving Capital One Bank and XXXX XX/XX/2020 : Filed a dispute with XXXX  and XXXX  regarding my Capital One Secured Credit Card balance. It was not reporting a {$0.00} balance XX/XX/2020 : Was notified via updates to XXXX XXXX XXXX  that my balance had been updated and my score increased by 43 points XX/XX/2020 : Was notified by XXXX XXXX XXXX of a decrease of 24 point, because my Capital One Credit Card account was totally removed from my XXXX  Report XX/XX/2020 : I reviewed my XXXX  Credit Monitoring, and I noticed that my score fell by 42 points and was only reporting one ( 1 ) credit card through XXXX XXXX XXXX. My Capital One account had been removed from my XXXX  Credit Report and upon further investigation, I found that it was also removed on my XXXX  Credit Report Summary : Through multiple attempts in the last two and half weeks, Ive been bounced around by both the lender ( Capital One ) and the XXXX  and XXXX  reporting bureaus. I have not been able to make contact with XXXX, due to the COVID-19 limited call center hours. 

Capital One has informed me that there is still an investigation into my account from my previous dispute even though it is noted on previous Credit Reports that the dispute was resolved. They cant give me an estimated time of when the investigation will be completed at this time, they have stopped reporting any payment history or credit limit on the account form both myself and my husband ( authorized user ). This is hurting my husband and my score and is preventing us from the much needed approval from our mortgage lender. 

We are attempting to gain a pre-approval for a house that is to be built with a completion of XX/XX/2020. 

I have recently received a letter from Capital One, both via email and by physical mail today ( XX/XX/2020 ) stating that they have reported my account information to all three bureaus even though multiple customer service staff have told me that they dont have record of said letter in their files. 

Any help will be much appreciated! 

XXXX XXXX XXXX XXXX **Prior to XX/XX/2020, my Capital One Credit Card was noted as having exceptional payment history on my reports. I also recently received an increase from my {$200.00} limit to {$500.00} within in the last three weeks. **

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I try to use on line banking as much as possible. I scheduled a bill to be paid electronically in XXXX. It was to be delivered by XX/XX/XXXX. It was due XX/XX/XXXX. I received notification on XXXX that it was not able to be paid electronically and they had sent a check. It said the funds could be taken out of my account before or after XX/XX/XXXX. 
Payment not received yet on XX/XX/19. 

Contacted PNC and they did not mail payment until the XXXX. Said they did not know about the problem until that day, but in actuality. according to their email, they knew on the XXXX. 

This is the third time this has happened with PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I bought a car from XXXX 5 years ago used that said it was accident free. That was a lie. Nobody helped! I was always on time with payments then Covid hit so I had kept up with my arrangements because my business was closed down. I have literally been paying them weekly. There was no notice of repo. They reported to the credit bureau that I voluntarily surrendered the car which I due not then they took it made me pay XXXX to get it back then charged it off at XXXX which is not what I owe. They are adding all these late fees and other unknown fees to rob people. How can you charge off a vehicle at a price they dont owe and threaten them if they are a day late theyre coming to get it again. I still have the loan and the car. But my report states they charged it off. Now I can not get the medical care I need to possibly save my life.

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 2023-04-04
Company: EAST WEST BANK
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In mid 2022 I fell victim to a multilayered scam orchestrated by XXXX. This involved transfer of XXXX dollars from my bank to a recipient in EAST WEST bank who has cheated me of my hard earned money. 
I have down loaded details of the transaction and request for resolution to the bank and with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
First, I asked American Express to close three of my then 4 credit card accounts due to a separate dispute I had with them concerning a simple way to allow my girlfriend who is an authorized user on my account to take advance of the AMEX offers. Notwithstanding, after irritating me beyond reason, they closed 2 accounts correctly and then screwed up and closed my XXXX XXXX Preferred card # XXXX, and did not close my Hilton Honors card # XXXX. So after several phone calls the XXXX   finally closed the correct card Hilton Honors card but not before they made me go through all kinds of hoops to reopen the XXXX XXXX  Preferred card which was closed due to their negligence 100 %.

The problem now is my Hilton Honors card had a credit balance on it for {$280.00} which was supposed to go to my XXXX XXXX Preferred card which it has not. The customer service XXXX said it was supposed to credit within a few days and that was on XX/XX/2010. It has not posted yet as of XX/XX/XXXX which is the date of this complaint. 

Solution : I would like my credit to posted immediately for the {$280.00} they owe me and to be compensated an additional {$200.00} for my time, aggravation and stress they have caused. Otherwise, I will never use any of their cards again and proceed to expose online and throughout social media my story and opinion of the new sub normal American Express and how they treat and long time good paying customers. To this date I don't believe I have ever missed a payment in over 20 years and probably charged in excess of {$200000.00} during that time period. This is how they show appreciation? XXXX them. 

Thank you for your time and consideration with this matter. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hunter and Warfield has attaches a debt that does not belong to me also the person has the same name but different social per usc 1692 a states that a consumer reporting agency must write or call or send letter to the consumer in reference to that debt however they have not per usc 1682 states that i have a right to privacy usc 1682 also states that i have a right to a fair credit report also debt buyer does have the original assignment nor does this company have the right to collect on the debt the debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: NY
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:
There are inaccurate accounts, addresses, and names listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX   XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX XXXX {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Collection company has provide wrong Account information. I return the items and was billed for items when they was not in my procession.This is against my consumers rights and want them to be remove from my credit asap. or i will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
One of my client transferred {$300.00} to my Bank of America account via XXXX XXXX  for my professional service on XXXX XXXX, 2020. She has a personal checking account with BOA, and I also have a personal checking account with BOA. Since XXXX payment can not be cancelled or charged back, I thought the {$300.00} was safe in my account, and thus I provided service to that client on the same day. Two weeks later, on XX/XX/2020, the client called Bank of America and falsely claimed that the payment was a fraud and she never authorized this payment. Without talking to me or doing any investigation, Bank of America simply took away {$300.00} from my account and gave back to that person. 

I called BOA three times on XXXX XXXX and asked them why they took away my money without my consent and gave back to that person without investigation, the bank said that it's their policy to return the money to someone if that person claimed that the payment was a fraud ( regardless if that person is making false statement or not ) and the bank said it was not their responsibility to investigate or verify if the claim is real or false. Bank of America told me that the only thing I could do was to bring that person to court to get my money back. In other words, Bank of America does not protect my money at all. My money is not safe at this bank as they can easily take away my money and give to someone as long as that person claims that the payment is not authorized. I feel Bank of Americas policy is encouraging people to make false claim and commit chargeback fraud. BOA is encouraging crimes to occur! A bank should never take away money from a customers account and give to others without any investigation!

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 2021-11-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX received call from ( XXXX ) XXXX XXXX XXXX XXXX, stating they were serving me with papers and threatened to take legal action if i didnt pay an old debt to Wachovia bank that has since been paid. And when i advised the debt collector that the account was paid and closed and that i had spoken with an attorney of now Wells Fargo Bank provided me a copy of the debt paid in full letter, the representative got irate and loud with me and threatened me before hangin up on me. I had to call back to try to verify information that the rep initially refused to provide me regarding the debt and i emailed them a paid in full letter. Upon speaking with another a person the new rep stated they had no such account for me and when I asked to be taken off their call list, he hung up on me. Also, the amount they were trying to collect was a different amount then what was owed. 

This same company called me back in XXXX threatening me regarding the same old debt that was paid in full. They called family members of mine stating that I owed a debt and that they were trying to reach me. I was advised by the original creditors attorney that western assets group should not be contacting me and that they have been conducting predatory practices to obtain funds from consumers on accounts that have since been paid off.

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 2023-04-01
Company: MoneyLion Inc.
State: SC
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 had an account opened fraudulently in my name through MONEYLION INC. this has destroyed my life and prevented me from pursuing financial strides as a young adult. I built my credit to a XXXX to now a staggering XXXX. It is a fraudulent account opened in XXXX of last year. I have disputed multiple times both with you and with XXXX, XXXX, and identity theft.gov, and to no avail nothing has helped. I have had to go about awful interest rates financing my vehicle. I need to get this resolved to resume my adult life. I need to be able to have my credit restored and this MONEYLION nonsense Off of my credit report. 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 non-monetary relief