BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: NV
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:
There are 8 accounts and two Bankruptcies on my credit report that do not belong to me I have reached out to the bureaus regarding this but they are not helping me or pointing me to the right direction I have also opened an ftc for these accounts. 

XXXX - Acct # XXXX Amt {$1100.00} XXXX - Axxt # XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$16000.00} XXXX - Acct # XXXX XXXX {$2400.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} - No Name Acct # XXXX Amt {$1000.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} Account Name : US BKPT CT XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, Experian, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX  because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with Experian due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

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 2018-09-27
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
Back in XX/XX/XXXX my wife and I decided to trade-in our XXXX XXXX XXXX Coupe Vehicle and get a XXXX XXXX XXXX Lease Contract. 

We drove it until XX/XX/XXXX and decided we were paying to much for the car and the car insurance when I was not using the car as often because my new job at the time was in the city and I took public transportation to get to work ( The car was literally parked 5 days a week ). My wife and I decided to return the vehicle still in NEW condition. 

I was told because it was relatively new, I after they send it to an Auction, I was more likely to pay a small amount back, due to the condition of the vehicle. 

After a few months we notice XXXX XXXX decided to notify us that we still owe {$17000.00} which I believe is too high, considering the vehicle is a XXXX vehicle and is in great condition. To make matters worse, I was forced to re-signed at the job I had and was unable to pay that Debt and now they affected my wife and my credit score for not being able to pay that huge amount, for a car we barely used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on Transunion I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. XXXX   XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and 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 2018-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dear Sir, Citizens Bank did not answer to my previous complaints to CFPB for missing check clearance records, transactions and various transactions in my check-in account. Also, Citizens Bank response is highly unsatisfactory for missing check clearance records and my previous complaints to CFPB against Citizens Bank. Hence, I would like to proceed with next step of proceedings on various missing checks, clearance records and bank transactions. I need a official monthly paper statement of my Check-in account for last eight months [ XX/XX/2018 to XX/XX/2018 ]. Could CFPB kindly direct Citizens bank to send me the official monthly paper statement of my Check-in account for last 8 months [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2018 ]. All the official monthly statements ( for last 8 month ) with Citizens Bank covering letter should be mailed to my address at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like Transunion, XXXX, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of XXXX  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to Transunion, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

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 2021-01-24
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has a collection reported on my credit reports for the amount of { {$760.00} }. I never did any business with XXXX. I don't know who this company is. I've never signed a contract with this company for anything. Ive never given permission verbally or in writing to anyone to pass my information to this 3rd party that Ive never heard of. 
Credit Collection Services never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on me. Attempting to illegally collect a debt that is not owed specifically is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. l placed a dispute and it was denied. Please review this information. This has dramatically affected my credit. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.

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 2018-09-27
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft.

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 2019-07-18
Company: The Law Office of Ginger Crosby Zuravel
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I sent a letter that stated the amount I owed was incorrect and that I disputed and was incorrect. I received a letter today XX/XX/XXXX that stated the amount was correct with an attachment that has incorrect dates that I have no knowledge of. I do not have access to the e-mail associated with proof of cancellation of classes and request to unenroll because of purge of student information after unenrolling from school. The balance doesnt add up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my Equifax credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX   account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX. Who also conducted a hard inquiry on my XXXX   account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a second credit card from XXXX Bank. Upon receiving the card I filed it away. Several months later, I received an e-mail from XXXX XXXX XXXX which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with XXXX since I have an account with them. I could barely understand the person I talked to. I then went to TransUnion and XXXX  websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to winance.

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 2020-11-13
Company: Experian Information Solutions 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:
as Experian was previously notified, I am a victim of identity theft. PLEASE stop telling me that i am not sending in my on complaint to the CFPB and to Experian. Please look at the information that i have sent. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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 called multiple times in XXXX of XXXX and XXXX of XXXX to request student loan payment refund for payments made during the XXXX pandemic. They did not submit the request to the treasury department until the 3rd time I called during this time period and they did not submit the request for payments made from my previous servicer until XXXX of XXXX. I had not submitted any student loan payments to Mohela and it is now XXXX of XXXX and I still have not received any refunds for the payments I made during the XXXX  pandemic and Mohela has consistently given incorrect timelines for when I was to receive payments and lied multiple times about when they had submitted the request to the federal government. This had resulted in loss of income that I could have potentially made on the refund payments while the payment pause is in effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-06
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent money to XXXX XXXX last XX/XX/2020 i sent her {$880.00} to purchase a product and it turns out that there are no product at all. I asked her to get my money back but she didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My card was charged {$38.00} by XXXX XXXX, XXXX XXXX branch fraudulently and 53 bank did not redeposit that amount like their representative told me during our conversation. Instead, an additional ( and magical ) {$1.00} appeared in my checking account the next day. So, I am assuming that its the bank that has done the fraud and not the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In 2013 Wells Fargo foreclosure on my house at XXXX XXXX XXXX XXXX XXXX pa XXXX What I need from Wells Fargo is documentation of the foreclosure and eviction for my records the loan number is XXXX. Please try to get this information.

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 2018-09-27
Company: Optimum Outcomes, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Optimum outcomes inc robicalled at XXXX on XX/XX/2018. When going through the prompts the voicemail for the number transferred to is full, they have called numerous times Day and night all robocalls with no way to contact anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: AES/PHEAA
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 submitted my income based repayment certification through studentloans.gov. Loans serviced by AES were decertified with no issues. XXXX asked for more information, which I sent. After two unanswered emails about the status of my recertification, XXXX said they needed another document. I sent it and my recertification was approved for the amount of {$140.00} per month. However, my bill for XXXX was posted and it is for {$450.00}. I have emailed XXXX twice about the issue and have not received any response. I can not call because I have XXXX and do not have a XXXX. I have not yet paid the bill because I can not afford to and I dont want to mess up my qualifying payments for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, 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:
When purchasing a home last year, XXXX XXXX XXXX  in XXXX XXXX TX could not obtain my equifax score. 

They claim that contacted equifax and I don't know what the agent told equifax but after that all they could provide was a mixed up report, with 5 other peoples information. 

Since that time I have spent over 100 hours on the phone trying to fix the report with no success. 

When I call XXXX XXXX XXXX or my broker for assistance, they tell me they did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2020-07-11
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
My name XXXX XXXX XXXX I use paypal to get money from a car sale which my first time using this and they lett me setup an account just fine so i sale a car through XXXX the guy pays with paypal  then drives from north Carolina to tennesse to pick up car then when he arrives back home he makes a claim to paypal  and XXXX he never recived the car which he did pick up so they take the money back then he loses the claim and they put money back to my paypal but pay pal   says I'm risk so they close my account and now wont let my hold off my account I have XXXX kids I need my money I deserve the guy has my car I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Round Point Mortgage Foreclosed and sold my home during a VA Loan Modification application process but they neglected my application and Denied modification process to protect the best interest of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 
Round Point Mortgage stated they sold home to another recipient for around {$220000.00} and it wasn't sold to XXXX, Texas Real Estate XXXX XXXX. 
XXXX sent me a note that him and his wife bought my house at XXXX County Auction from Round Point Mortgage Law firm XXXX XXXX XXXX. 
So, Why is Round Point falsified that XXXX XXXX is not the recipient who purchase my home at auction? 
Also, HOPE Program Rep called Round Point Mortgage and assisted me on VA Loan process, we called twice and the second time, Round Point Mortgage Rep stated they sold the house at the auction on XX/XX/2018. 

A completed application was faxed and emailed and Federal Government has evidence and one last note, Round Point Mortgage was given evidence on my XX/XX/XXXXXXXX and Pain issues and under Prescribed Medications and XX/XX/XXXXXXXX Treatments with my Primary Physician and Surgeon Dr , XXXX XXXX XXXX. 
Round Point Mortgage has violated my ADA Disability Civil Rights Act under Department of Justice and has Discriminated and Retaliated against me because I filed various Federal Complaints and because I am XXXX XX/XX/XXXX and a XXXX US Military Veteran. 
Since Round Point Mortgage has violated Federal and State Law in selling my home and facing alledgations of VA Loan Modification, VA Loan Fraud, Corruptions and Frauds there should be a Financial Restitution of the equity  of my home to accommondate me on my new home that I like to persue in California. 

Respectfully, {$8000.00} is not enough to purchase a home in XXXX, California. I need a home to be retired in peace and nurse my XXXX XXXX. 
Round Point Mortgage Law Firm doesn't want to accommondate me on my XXXX and not honoring and supporting me as a Military Veteran.

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