BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: AES/PHEAA
State: MA
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 continuously employed in federal service since XX/XX/XXXX ( following my graduation in XX/XX/XXXX ). 

About a year after law school I consolidated my loans ( in XXXX ) and they were grouped into subsidized and unsubsidized loans. I've never missed a payment, and always paid the amount due on notices that I've received. I may have had a short deferment period ( though don't totally recall that, but my lender indicates I did ). Approximately 2 years ago I transferred my loans to fed loan servicing since I learned that, once I completed 10 years of public service, they would need to be with this service provider to process my application for forgiveness. In anticipation of this, I had been speaking with them about what payments qualified. I received an accounting about a year and a half ago showing a number of payments that would not be counted ( claiming I paid a penny less, for instance ). I was able to find  documentation showing that I paid what I was told that I owed and a number of these payments were fixed and counted towards forgiveness. 

This spring I believed I had completed my 120 payments ( and then some ). I applied for forgiveness in approximately XX/XX/XXXX. In XX/XX/XXXX I logged on to discovery that, without contacting me, they had forgiven the unsubsidized portion of my loans. I spoke to them immediately and was told that as to my subsidized portion, they were having trouble getting information from my lender for a time period around XXXX and that was why those hadn't yet been forgiven. I was told they would expedite this process. In midXXXX I again spoke with them and was told no one was expediting anything, that it could take up to a year ( but that this was highly unusual ) to process an application for forgiveness. I was given next to no other information or guidance on how I could move along the process. I was told I would receive another accounting explaining the status of this loan and what payments qualified. Several weeks later, I have still received nothing. 

Additionally, the loan that was forgiven was overpaid by approximately {$1700.00} while I was waiting for them to act on my forgiveness application. I was told that money would be sent back to my by the federal government and that it should take at least 30 days. Two months later, after receiving nothing despite repeated promises that the money would be sent to me, I was told that it was applied to my remaining loan balance. That loan is now in overpayment status as a result, which also means I am not getting credit for additional payments ( or for the " payments '' that would have been covered by the {$1700.00} of my own money that was applied to the loan ), though I am well over 120 payments at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ive sent multiple letters to XXXX, Transunion, & XXXX None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in 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 2023-06-24
Company: Experian Information Solutions Inc.
State: UT
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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 that the information is inaccurate.

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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Frauding scams IDs and accounts frauding me and my documents stack and families corners records and medical files and a few others frauding accounts scams and IDs through XXXX off my two federal FBI XXXX XXXX XXXX files of almost 8 years, frauding off my XXXX XXXX XXXX and XXXX XXXX XXXX. Just two registrations frauding herds scams of XXXX and firm names Then some herds frauding me in Indiana State as listed IDs using XXXX and then herds frauding my grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Frauding a XXXX Indiana documents attached to her social security Data attached to my data Federal not interested and won't remarry into Indiana again XXXX XXXX XXXX of XXXX country Indiana was the last, federal date block on all counties .... federal not interested after the serious XXXX crimes..

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 2018-11-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: MI
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for autopay as soon as was possible for my XXXX, which wasn't until after the first bill was available ( there were no autopay options before then ). That was three weeks ago and I just received a late payment fine for not paying my bill. Basically, even though I'd set up auto pay, and expected that to pay my bill, XXXX tried to charge me {$25.00}. I was told on the phone it take 2 months for autopay to go through, which seems ridiculous. My credit card also won't work for several days until the payment I just made goes through. 

This seems like they're trying to scam people.

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 2018-11-27
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 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/2018 I filed a dispute with mainly Experian and XXXX XXXX disputing the student loan listed on my credit report. Originally, it was listed as XXXX XXXX, then XXXX XXXX was changed to XXXX. XXXX can not prove that I owe this money and I never took out a student loan with XXXX. I therefore requested it be removed from my credit report. If they had been able to prove it, they would have taken me to court, which they havent. They have listed these loans as in default and are negatively affecting my credit rating. Im asking that mainly Experian be investigated for fraudulently listing this on my credit report despite it all being heresay. 
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 2018-02-19
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Please help me get my {$6500.00} back. Coinbase lost my total {$6500.00} transfer. 

I made wire transfer {$3000.00} on XXXX and {$3500.00} on XX/XX/XXXX from XXXX XXXX Bank to XXXX XXXX XXXX. The amount was never credited to my Coinbase account so I opened a support ticket two weeks later. 

On XX/XX/XXXX, I reported to XXXX XXXX Bank and filed this case as fraud. I also contacted Coinbase to refund {$6500.00} again. 

On XX/XX/XXXX, I finally received email from Coinbase that {$6400.00} ( {$20.00} fee ) was funded on my Coinbase account, however, it says " Buys disabled. '' I requested to refund {$6500.00}. 

On XX/XX/XXXX, Coinbase closed my account without notice. 

I contacted Coinbase multiple times to request the refund of my {$6500.00}, but no response. 

On XXXX, XXXX XXXX closed the original claim and reopened to escalate with online wire transfer claim. 

Now here I am, 6 weeks later, still waiting for Coinbase to return it. 

Deposit reference : XXXX {$3500.00} Deposit reference : XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Bread Financial 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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/18 I received a XXXX credit card in which I didnt apply for. Called bank and stated this was not my account and the said it had been used for a purchase of XXXX dollars. They are reporting the account as fraud and closing account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were closing on the sale of our house so we did not make mortgage payment. 4 days before closing bank pulled financing for buyers. I asked the loan servicer to make a payment online which we still would owe one payment but would no longer be behind. Not only could i not make an online payment because i was behind when i called i was going to be charged an additional {$20.00} musty to make s payment. This was in addition to the late charge i already was charged. Why is s payment usually free suddenly {$20.00} more? Double charging me for a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A credit card was opened with my name and social security number. The credit card company is Synchrony Bank, also known as a Wal-Mart credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the COVID pandemic, I suffered financial loss in being laid off. I applied for forbearance of my mortgage load. From XX/XX/XXXX Through XX/XX/XXXX. In late XXXX I called the loan servicing company United Wholesale Mortgage to talk about next steps. Specifically, I was curious about the qualifying factors for deferring the balance to the back of the loan. I was placed on hold for an hour and did not get a response. 

I called back the following day, and was told that my account and the balance had been placed in deferment ; which I did not request. I was told then, that it was a mistake and was taken off deferment and I chose to continue forbearance for an additional 3 months ( XXXX ). 

In XXXX  XXXXI got a letter saying my payment was due and the balance from the original forbearance was deferred. Confused because of the conversation I had I called and asked to clarify and to speak with a manager. I was told a manager would call me back. No one ever did. I called again about a week later and again no one called me back. 

In XXXX  XXXX/XXXX  XXXX I got a call back from management. I spoke to XXXX, employee ID XXXX. She assured me that she would fix the deferment issue and cancel that request that was never made. She would send me a letter explaining that it was fixed and would make sure that XXXX would also be in forbearance. 

Additionally, throughout all this time, they have reported me to the credit bureau twice when part of the CARES law says that homeowners in these situations would not be reported to the credit bureaus. 

Furthermore, I got a call from XXXX employee ID XXXX on XX/XX/XXXX, reminding me that my forbearance would end on XX/XX/XXXX. I asked if I already had a balance in deferment and she explained I did. I never got the letter XXXX promised and the issue was never fixed. XXXX said she would escalate the issue and get me a call back. No one called. 

Finally, I called on XX/XX/XXXX to confirm that my option to defer the balance and begin paying on XX/XX/XXXX.I spoke with XXXX and Now I am being told that deferment is not an option because I already deferred a previous balance. This is ridiculous! Im being given the run around and no one is helping. 

I have asked them several times to speak to management and I am only told that they will call me back and they havent. The only time someone supposedly did with XXXX the manager did not do anything that they said theyd do. Supposedly all calls are recorded but only management can listen to these calls. 

All I am asking for ; is for all balances from XX/XX/XXXX-XX/XX/XXXX be deferred to the end of the loan. Thats all I need. My hardship is over, and I am ready to start paying. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I dont have any finacial obligation to these companies

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 2018-11-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2018-A merchant advise ( XXXX Content ) that their company could conduct fine line editing and proofreading services. I was told to pay {$220.00} and to give them three days. The three days turned out to be a forgotten one month with lost documents which, the company states never received but, to the finding the company did not understand how to do proofreading or editing as suggested. The company also stated will do proofreading editing within 3days and have a 100 % customer satisfaction. I company lead me on for a month and could not do the job. I called paypal to dispute the transaction and paypal said I have a 100 % no liability and have knowledge that I went to XXXX  ( aka -XXXX XXXX XXXX ) company to get the document done. Paypal then on XX/XX/2018 after XXXX XXXX gave an inaccurate response stating it was a thesis editing and proofreading of over 6000 words which, they took my work including the reference and illegally tried to claim as their own. Paypal gave send XXXX  a letter stating XXXX XXXX was valid which, It was against federal law and their own policy to help a company like XXXX to deceive people for service.Paypal has a history of allowing merchant to fraud customers without taking actions against them as it was agreed in their terms and conditions of using paypal system.Paypal transaction number is XXXX -- - Detailed info -- Case details Seller information XXXX XXXX XXXX XXXX Invoice ID XXXX Transaction amount {$220.00} Transaction ID XXXX Disputed amount {$220.00} Dispute reason Item not as described Company I went to correct the error -- Was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately. 
XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00}

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