BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: EdFinancial Services
State: WA
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 requested a refund for payments I made during the COVID pause because I overplayed my loan ( because it will now be completely forgiven under Bidens loan relief plan. I know I can request the refund thanks to the Student Aid website XXXX XXXX XXXX XXXXXXXX I called to request a refund on XX/XX/XXXX and was told it would take 120-150 days to receive my refund. This is ridiculous because it is 7 months of processing time. I am now seeing people online ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) saying their refund time have been quoted for up to 1 year. This is scary because I need to apply for forgiveness and I am afraid I will get forgiveness for one part only for the refund and overpayment to be credited to my account much later. This would mean the money I originally paid would go into my account, not be forgiven, and then collect interest so that Id pay even more than I did originally. This is unfair and predatory. Other loan providers, like XXXX XXXX is only taking 1 week to 1 month. Not only that, but EdFinancial refuses to provide any written record of the fact that Ive requested a refund or that its been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I want to buy a game device on XXXX XXXX  in this link ( XXXX XXXX XXXXXXXX ) from a seller with total of XXXX, the seller ask me to deposit XXXX. I did that through zelle on my XXXX bank to someone on zelle under name : XXXX XXXX with Phone number : ( XXXX ) XXXX and after that the seller sent me a fake receipt and ask me for the rest of the payment otherwise he will stop the shipment. and I said the seller can go ahead stop sending it to me and send me back my deposit. from there I did not receive any response from the seller. he ran away with my deposit. I had all the evidence include all the text and the fake XXXX receipt ( I know it fake because he used fake address on it which is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX which is the resident address ). I already report this to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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 act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.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 explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Account Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1. XXXX XXXX XXXX- Account NumberXXXX, has violated my rights. 
2. XXXX XXXX XXXX  - Account Number:XXXX, has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXXAccount NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXX-Account Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 an 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. 

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: OR
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:
Reported fraud on my credit. Experian closed my dispute stating the account belonged to me. I have no knowledge of account. Im a victim of identity theft and provided supporting documents.

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 2023-10-02
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a loan with a 5 year contract in XXXX of XXXX from US auto sale financial ( USASF ). My loan was to mature in XX/XX/XXXX. They had me sign a contract stating that I would give them {$200.00} every two weeks until the account is paid in full. I found by mail my loan was sold to another company. I found out about this after numerous call to US auto sale with no response. My loan was sold to West Lake financial on the same month my loan was to be paid off, with an outstanding balance. I was also informed my loan has been extended to XXXX of XXXX by West Lake Financial. I received a letter from Westlake financial in XXXX of XXXX that they are now the current owner of my vehicle and I had an outstanding balance for over {$2500.00}. I told them that was incorrect as I was to finish paying off my car that month. They told me no they purchased a vehicle for over {$2500.00} in XXXX from US auto sale, Ive asked them numerous time to clarify what those amount are. They told me I should know why it is that mount because this is my vehicle. I made a payment in XXXX. I then told WLF that I refuse to pay them anything else until they clarify where did that amount came from they have yet to do so. I recently reached out to them and told them I havent heard from them. They told me that there was a repossession on my vehicle for nonpayment. Ive been paying on my vehicle for five years. I havent been late but one time when I caught XXXX and I found out I had XXXX XXXX and I called the company because I thought I had insurance for the company to cover if I got major sickness or lost of employment. USASF told me I didnt have such coverage. Ive been paying on this car for five years and now at the end of my term this company Wesley financial is now its attempting to repossess my vehicle. I am at a loss and not sure what to do. Ive been late on all my bills because Ive been battling XXXX XXXX. The only account I paid on was the make sure I get to the doctors appointment and now found out when I thought my account is paid off they telling me no and requesting another {$3000.00} for me. My mature loan has now been moved to XXXX of XXXX please help me.

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 2023-03-01
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:
I am interested in disputing all inaccurate information on my credit report with experian. checking my file ive noticed alot of mislead data that is hindering me. please delete an correct the information listed.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: LA
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:
sent letters off to XXXX, experian, and XXXX  on XX/XX/2022, and XX/XX/2022 and have not received a response. I also understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. its been over 60 days and still no response. 






1. Validate Account XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove this inaccurate information from my credit report. 

6. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. Validate Account XXXX XXXX XXXX  XXXX  Account Number : Please remove this inaccurate information from my credit report.

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 2018-02-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mom purchased our home in XXXX, she was on mortgage only and I was on the deed. 
The company that got the mortgage for us put her in a horrible loan, we tried to modify or refinance but they would not let us.. In XX/XX/XXXXmy mother passed I continued to make payments on house until XX/XX/XXXXthe mortgage went from {$1700.00} a month to {$2200.00} being a single mom with XXXX kids I could not afford a {$500.00} increase, Again I tried to modify loan on my own but being self employed I dont show I make enough to support the loan, even though Ive been paying the mortgage for the full 10 years out of my checking account. 
When my mother passed I sent the mortgage servicing agent her death certificate at the time at that time it was XXXX XXXX servicing agent, the mortgage got sold again and the new company Rushmore refused to talk to me about anything because they thought my mom was alive still. The house is now going to auction on XX/XX/XXXX and even though I sent them her death certificate and a letter stating my Husband wants to by house or assume mortgage they still wont contact us or even talk to me. Im also concerned that all the steps in the foreclosure were not met, I  was told they need to have the original note from original bank, which was XXXX XXXX XXXX  of XXXX at the time, in all the foreclosure papers the bank that owns the loan now is XXXX XXXX XXXX XXXX. 

I was recently married and my husband is preapproved for the mortgage. 
During this whole process Ive contacted the lawyer involved in forcloser numerous times and so has my realtor. Not once have we received a return call. I didnt go to the forcloser hearing because I felt they would not help me or listen to me. I would really appreciate any advise you might have for me and how I can keep my house, like I said I have have XXXX children XXXX still living at home and run a XXXX out of home.. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX ( aka XXXX ) has been repeatedly through hundreds of phone calls been attempting to extort a claimed owing of {$87.00} on a previous account which was closed properly and equipment returned properly. One of several debt collectors, this one called " XXXX XXXX XXXX '' contacted me in XXXX of XXXX regarding the demand for collection of this {$87.00} dollars, to which I responded on their website ( XXXX ) with pictures of the proof of receipts when the equipment was returned ( XX/XX/XXXX ). XXXX XXXX XXXX accepted the documented proof and indicated they were NO LONGER seeking collection on the account and CLOSING their case. 
I received notification on XX/XX/XXXX, by XXXX Credit Bureau, that yet ANOTHER Collection Agency - " Enhanced Recovery Co '', was now going after me for this same amount. XXXX ( aka XXXX ) has ALREADY been thwarted in their continuous attacks and extortion attempts at trying to get me to pay this falsely " owed '' amount of {$87.00}, and are resorting to yet another attempt at damaging my credit, slandering and attacking my character ( as someone who has NEVER, EVER been in a Collections Process ), and continues to harass me with these repeated attempts. XXXX has alerted me that " Enhanced Recovery Co '' has " Flagged my account for Collections ''. This will have DEVASTATING affects on my Credit score, and I will not tolerate this continued attack on me. It is defaming my outstanding credit history, and is embarrassing, slanderous, and makes me liable when presenting myself based on financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday night I submitted an application for the XXXX USAA credit card and I received an email stating urgent request stating that I needed to verify my ID and I was able to login into my account that morning around XXXX XXXX. I tried to log back in to check my account and it stating that my login access has been locked. I have submitted all the information needed for my account to be unlocked and nothing has happened. My payroll gets sent to my XXXX account every other week. I previously had an account with XXXX and I never had this issue. Its frustrating and inconvenient because I have all my funds with XXXX  and I had the account opened since the beginning of XXXX and no one reached out to let me know this in advance so I didnt had to go through this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: WELLS FARGO & COMPANY
State: MN
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:
On XX/XX/2023, I filed a complaint after receiving an XXXX alert that Wells Fargo added derogatory information to my XXXX credit report just hours after I lodged a complaint against it with the Consumer Financial Protection Bureau ( CFPB ). 

Today ( XX/XX/2023 ), I received another alert that Wells Fargo has engaged in similar conduct by adding derogatory information to my XXXX credit report. 

Federal consumer protection laws prohibit retaliation against any individual who files a complaint with the CFPB. 

In addition, Wells Fargo continues to falsely report on my credit report that I had a " Wells Fargo Preferred Customer 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 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-10-01
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX let me know that someone had a hard credit inquiry at XXXXXXXX XXXX I immediately contacted XXXX back to let them know that this was fraudulent. They assured me the account was closed and documented as fraudulent. I then put a credit freeze on my information with all 3 major creditors. 

Today I received a notice from a Debt collector that states I owe {$2000.00} dollars to XXXX XXXX It does not disclose what this is for. 

I want to have a record that clearly shows this is not my debt. My credit score is currently XXXX and does not have any red marks/flags. I'm unsure why I received this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation