BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
It has now been nearly 8 months since I submitted my PSLF application. Mohela confirms I have made more than the required 120 payments however they have failed to discharge my student loans. This is absurd and unacceptable. Payments will soon be resuming and I would appreciate it if Mohela could finally take some action on my account.

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 2022-09-15
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I filed a complaint in Experian website about my credit report. In their report they were duplicating my student loan balances that has been transferred from XXXX XXXX to XXXX  XXXX. Basically they showed as I had double the amount of student loans : the original balances with XXXX XXXX before the transfer appeared as open with the original balances instead of {$0.00} balance and that they had been closed and transferred. 

On XX/XX/2022 I received a notice stating that the report will stay as it was reported, thus keeping the error. I tried to upload the letter or statement from XXXX XXXX showing that all my student loans had been transferred and the balances was {$0.00} and thus the accounts closed. I could not. I called Experian telephone number suggested in the website to resolve the problem that afternoon and I talked to a representative called XXXX. He said that Experian has contacted XXXX XXXX and told them that I still had those balances and accounts, which is not truth and suggested me to call XXXX XXXX instead of correcting their errors. Afterwords I tried again to upload the letter/statement from XXXX XXXX showing that all my student loans had been transferred and had {$0.00} balances but I was unable to do so. Instead Experian seemed to want to sell me membership and services that I don't want or need.

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 2022-10-05
Company: EASTERN BANKSHARES INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I attempted to check my Eastern Bank account balance via online. I was prompted to contact the customer service via telephone following that a representative advised me to visit the branch when I arrived at the branch before speaking with the teller I tried to use my debit card at the ATM and alerted it stolen. Upon approaching the teller I summarized the events he checked both of my accounts and confirmed the debit card was indeed reported stolen. Uncertain of the next steps he requested assistance from a senior teller whom was extremely volatile. She begin loudly stating your account is overdrawn {$470.00} are you making a deposit and proceeded to take my debit cards out of my hand stating I dont think you can have these. I explained to her that I was in receipt of a deposit on that day so unfortunately I would not be making a deposit because all the money I had was taking by the bank and I now couldnt use the account. Ultimately she stated what do you want to do Im confused why you came in. At that time I asked if someone could please contact me because I was totally confused what happened to my accounts. The following day I attempted to call the branch to see if they had any updates and it was a failed attempt. Ive been reached out to customer service on four different occasions that same day via telephone, was unsuccessful. Following that day, I decided to visit another branch and became aware that my accounts were closed and could no longer have access but still COULD NOT have a reason why. The teller stated there wasnt anything I could do and I would receive a letter still not knowing why my account to a closed I attempted to contact the bank again via telephone. A few days later I received a letter stating my account was closed for possible check fraud. I reached out to the contact person and explain that unfortunately I was NOT aware of this but while I was not present my family member that was an active XXXX gained access to my accounts via XXXX. Devastated I pleaded if there was anything I could do to rectify this matter and I was told NO that it was going on my credit report and will be removed in 7 years and I would no longer be able to get a Eastern Bank account and it would be extremely hard to get any bank account because Im now flagged as FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2020-01-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the HSBC business checking account in XX/XX/2019 and met the requirements in XX/XX/2019 but I have never received my {$300.00} bonus. I have contacted the bank several times and could not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Allied International Credit Corp., (US)
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contacted twice over 2 consecutive days. I was told I owed the debt after I received email from company stating debt was paid,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with Suntrust and they closed my account XXXX XXXX i went to the branch to collect the rest of my funds out of the account and i was told that the account was officially closed and not payment would come out and nothing would be deposited into the account i paid all fees that i owed. Fast forward to XX/XX/2022 my payroll check got sent direct deposit to the closed account and instead of Suntrust bouncing it back to my employer they accepted the direct deposit i do not have access to this account i called customer service and i was told that its under investigation and they are holding my funds until the investigation is closed and they will send out a check however they dont know when they will be able to send out the check with my funds so they are holding on to my funds

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX placed a XXXX account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of XXXX or more points for some money that is not even owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: Atlantic Recovery Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 the company contacted my boyfriends father my boyfriend and my mother all looking to speak to me over a debt. They asked my mother for my date of birth and address she gave it to them and then they gave her further information on my debt. 

I called this company after I saw that I had a missed call before I knew that they called my entire circle. They threatened to sue me because I dont have the money to pay for it they told me that I should stop paying for my home in which I live in to pay them. I was told that I would be taken to county courts to solve this issue and may have a home foreclosed on because of {$1900.00}. I then called again after I found out that they called these people and they did not give me a straightforward answer as to how they received any of these numbers and why they would give out any of my information. I have never received one piece of mail from these people other than phone calls. 


Atlantic recovery soloutions XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2020-01-03
Company: WorldRemit Corp.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
3 weeks ago I received an e-mail welcoming me to my new Worldremit money transfer account. I received a text with the necessary info to complete my account. 
I contacted Worldremit via their website notifying them I did not, nor have I ever, had an account with them and that any such account was identity theft. I asked that this fraudulent account be closed and any and all personal information be deleted. 
Worldremit has continued to e-mail and text me. I called today to try and resolve the matter since they never responded to my request. The customer service rep listened to me, then put me on hold to never return and I was disconnected. I called back and the customer service rep told me it was impossible to speak to someone about this and to e-mail. I advised that I had e-mailed to no response. She insisted that that was not possible they ALWAYS respond. I asked to be transferred to fraud/theft/consumer protections and was again told this is not possible. I asked how to delete the account and was again told not possible. I want this theft of my identity and fraudulent use of my name to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-16
Company: WELLS FARGO & COMPANY
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have submitted a complaint about this already. I have called and requested a statement up to date and where to send payments every time I call I get transferred and the call drops or Im told Wells Fargo does not handle the loan. Not once in 8 months have I received anything from them. I cant even give an account number bc Wells Fargo apparently doesnt service the loan anymore!

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 2020-01-03
Company: JTM Capital Management, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX I took out a payday loan with XXXX, In XXXX of XXXX I was under the understanding the debt was paid in full. They continued to attempt payment so I stopped payment to XXXX XXXX. Sometime in XXXX I was contacted by XXXX XXXX for collection of my XXXX XXXX debit. I paid them monthly installments of {$75.00} until the debt was settled with XXXX XXXX. In XXXX of XXXX I was contacted by a no caller ID number ( along with my brother was contacted in regards to my personal matter ) stating they were making arrangements to visit my home for me to accept a certified court notice or I should call XXXX XXXX  to obtain further information. To which I called and spoke with a XXXX XXXX who told me it was for an outstanding debt owed to XXXX. I sent my documentation and was told the case was closed and all records were to be removed from my credit report. XXXX of XXXX I was contacted again in the same manner, this time I was given information from XXXX  XXXX   XXXX  working with a XXXX XXXX. Went through all the same steps and again was told case was closed. Yesterday I was contacted again by a no caller ID, certified court notice, and to contact XXXX XXXX to which they told me no payments have ever been made to XXXX  XXXX  and that my court date was set and that I would need to appear to dispute this matter. I have contacted XXXX   XXXX  to which they would not give me information as my file was sold to JTM Capital management. I believe this debt to be paid and settled and have attached my documentation of this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Purchased item at home show and then decided amount was too much and items were not a necessity. Called and cancelled but was notified item had been prepped for shipping. Never received item and notified company. Been disputing this the beginning.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I feel like the credit bureau has been working against me as a XXXX man all my life my credit score got to XXXX then they dropped me XXXX points out of the blue in XXXX of 2021

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 2022-01-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into a loan that should be reporting on my consumer credit profile. To this date, I have yet to receive any information or acknowledgment that said investigation has begun. In my previous request I listed the information and showed my wet signature that was also notarized. This is my second attempt now, and I will be also writing to the CFPB, Federal Trade Commission and the State Attorney regarding this matter. You have violated numerous U.S. Codes for consumer reporting agencies.

As you are well aware federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( 15 U.S. Code 1681m - Requirements on users of consumer reports ). 

I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance. 
You have violated numerous U.S. Codes for consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently left school and applied for an income continent based repayment plan. I submitted three applications and each time FedLoan Servicing put me on a standard repayment plan with monthly payments of {$1000.00} which is almost half of my monthly income. I have called, written and submitted requests for the income contingent plan and they refused to acknowledge the applications. Today, FedLoan told me if I paid them {$5.00} they would consider putting me on an income contingent plan. They transferred me and I was on hold for one hour when I gave up. I requested a call back with their system and that also put me on hold. 

The FedLoan Service is violating the law by forcing me to pay for an income contingent plan. Further they will not respond either by phone, mail or online to my repeated requests and applications for the income contingent plan. I told them it was illegal to charge me and they said if I don't pay them {$5.00} they will keep me on the standard plan with a monthly payment of {$1000.00} for the next 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Central Collection Corporation
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the company and the company is close and has been close for almost 4 years now. I reached out to the better business bureau in regards to this debt and they also received several complaints regarding the same issue coming from other consumers. stating that they too received debt collection phone calls and letters regarding that they owe amounts that was not theirs. Its showing negatively on my credit report as a collection and I never had a debt with this company. The original Creditor is XXXX XXXX XXXX XXXX. Its currently trying to be collected by central collections. The date opened is XX/XX/XXXX XXXX and the amount is XXXX.

Company response to consumer: Untimely response