BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: Risecredit, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a payday loan a few weeks ago for the amount of {$1500.00}. 

I was told that if I pay off the loan then whatever the CSO fee balance would have been would be eliminated. I was told this twice on the phone by a customer service representative before I even applied for the loan. 

I paid off the loan today - the website along with a customer service representative 's confirmation indicated that the balance was approximately {$1400.00} if I wanted to pay the loan entirely off. I paid this entire balance off. However, once I did this, the place on the website where it showed that all I had to do was pay this to pay off the loan was no longer showing this. Furthermore, there is another place on the website where the balance is in the 2,000 's still showing the balance with the CSO fees. They also still have the same remaining payments scheduled from my account that were scheduled before I made this payment. 

It is unclear what the payday loan company is trying to do. I feel like they are trying to collect more than what they promised. I have attached evidence of where it states that all I had to was pay {$1400.00} to pay the loan in addition to a record of a payment for this same approximate amount. Furthermore, I have attached the page showing the higher incorrect balance. They are trying to intentionally confuse me so they can collect a higher amount - this is how it feels like. All I want to do is move forward and not pay more than we agreed on. This is worse than if a thief broke into my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions Inc.
State: MI
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 contacted Experian to dispute an account reporting 30 days late on my credit report and it was never 30 days late I submitted proof of dates I paid my bill including the due date and the error was not corrected. XXXX XXXX is the company reporting 30 days late forXX/XX/XXXX and 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 2022-02-02
Company: AES/PHEAA
State: IL
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 have had a lot of problems with Fedloan and the PSLF temporary waiver process. They gave me conflicting information over what I should consolidate. I called twice and it took over two hours to reach someone. I consolidated only my FFELP loan in to a direct loan but now they wont answer my emails. I keep sending them the letter where they approved my employment under the PSLF waiver but they keep saying I need it. They have not updated any payments toward my loan and they have not transferred over my large Direct Loan from XXXX XXXX. XXXX XXXX got my loan from XXXX without my consent. They also sent me a letter indicating that I should perhaps consolidate the FFELP with the prior direct loan but I did not do that because their person on the phone said not too. This waiver program is a mess. They processed my application in XXXX and they approved my employment. Now they say they just got my application and have not confirmed my employment. I sent them copies of their own letters and they refuse to answer my emails? I should have at least one loan that should be forgiven as I have worked for a state university since 2007. They are giving bad advice, dont understand the waiver, not answering emails, and not updating anything. Please help as this program is a mess. Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 tried applying for a extension of credit and I tried to open a bank account and I can not because there is a fraud alert and or freeze on my consumer report that I called in and asked transunion to remove they refused to remove it and told me I need to write them a letter to have it removed. I wrote them a letter that was mailed on XX/XX/22 asking them to remove the fraud alert. It is still on my consumer report. And Transunion owes me for previous violations.

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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a certified letter to TransUnion dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. I waited 34 days to verify TransUnion violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. I sent another certified letter to TransUnion stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to TransUnion, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. TransUnion has disregarded my proof of the violation of law and refuses to remove this trade-line.

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 2019-05-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I noticed on my credit report that one main financial has added an inquiry on XX/XX/XXXX. I did not apply for a loan nor request a loan with XXXX XXXX. I attempted to contact the branch. No one picked up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: MoneyLion Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX - requested funds iao {$500.00} to be withdrawn and transferred to personal bank account. 
XX/XX/XXXX - contacted MoneyLion.com support via email inquiring about transfer request, as expected 7-10 business days passed, no funds or notice of delay. Was advised transaction was cancelled and ticket was being closed. Inquired as to why due to no resolution.

XX/XX/XXXX - requested funds iao {$1000.00} to be withdrawn and transferred to personal bank account.

XX/XX/XXXX - Spoke with XXXX on the phone at XXXX XXXX, EST, who advised my transaction was again cancelled. When advised I wanted the funds in the account sent to a different account and close my account, XXXX advised permission was needed to liquidate due to the amount in my account, as it exceeded the maximum transfer amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2018-08-22
Company: Certified Credit Reporting, Inc.
State: OH
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:
Nothing! I tried to find out information on who, and why they were on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We spoke with XXXX XXXX at Mountain Run Solutions ( Collection Agency ) on XX/XX/XXXX. We let her know that we had never done business with XXXX. She sent over an alarm contract that was made between our XXXX restaurant in XXXX with XXXX XXXX. We sold the XXXX restaurant to a new owner and then they went out of business. The new owners might have been doing business with XXXX, but we never had an agreement between us and XXXX. 

We notified XXXX XXXX at Mountain Run Solutions that she needed to remove the claim on XXXX XXXX credit report. We let XXXX know that she was causing financial damage to XXXX XXXX fi she did not remove the invalid debt within XXXX to XXXX business days. 

XX/XX/XXXX we reached back out to XXXX to get a response, asking her how her company would like to proceed and if they wanted to continue causing damage without any financial obligation with XXXX XXXX and XXXX. She responded back that she has already validated XXXX debt and the account is valid. 

XX/XX/XXXX we reached out to XXXX and we spoke with XXXX at XXXX Customer Service in the XXXX office. He did some digging and came to the conclusion that this was not a valid collection and asked us to tell the collection agency ( Mountain Run Solutions ) to call the Loyalty Department with XXXX  to have this taken off XXXX XXXX credit. 

We immediately relayed the message to XXXX XXXX at Mountain Run Solutions and then on XX/XX/XXXX she responded Sir we do not contact XXXX like that. We just purchased their debt so if anything needs to be rectified it needs to be done by them directly with us. At the end of it all, they are the ones who placed this in collections. 

We responded to XXXX XXXX that just because they purchased the debt, that doesnt make it a valid debt and that she needs to call and speak with XXXX. She is refusing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered a product online in XX/XX/2021 from XXXX, XXXX XXXX, NY. I never received the item and since it's been so long, I forgot what I ordered and never received a confirmation for the order. In XX/XX/XXXX ) Citi sent XXXX a copy of the dispute and asked to their explanation. The explanation that was sent back, had absolutely nothing to do with the item I bought. 
Now, Citi is asking for documentation on my purchase which I do not have nor do I have a record of what I ordered. I was never sent a confirmation on my purchase. 

Credit Card ending in 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 monetary relief
Consumer complaint received 2019-05-13
Company: CORELOGIC INC
State: CO
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:
Credco out of XXXX XXXX did a credit report without my knowledge. It was done with my social security number, but my husband 's name. Totally incorrect. Last month I sent a letter to Credco and they assured me it would be removed. It's still on my report -- twice

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXXXXXX XXXX System ( XXXX XXXX XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I wish to add to my complaint # XXXX, to which the bank answered it will research it and get back to me within 10 days. Which it did. So now begins my new compaint : 1. The bank 's new answer was they were going on with their research. This time, there was no deadline mentioned. Meaning they could research as long as they saw fit, while I have no access to my funds in these Corona days. 
2. About the transfer order I faxed the bank and they refused to execute ( see original complaint ) - since they have my signature, what's there to research? 
3. About not ID-ing me online - there are ways to ID a customer who's overseas. Here too there's no reason for indefinite " research ''. 
4. I suggested the bank write me at the adress they have on file and detail their problem. It never happened. 
5. Remembering this is the bank that opened XXXX XXXX ( or was it XXXX? ) unauthorized accounts, I hope we all wouldn't wake up one morning finding out there are millions of bank customers in my situation, their funds frozen.

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 2021-12-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This has been an ongoing issue with XXXX. I am on a bi-weekly payment plan and they take my mortgage payment and apply it to additional principal and they take my extra payments I make and apply them to my loan. This is a sporadic problem with them. I have reached out to them on numerous occasions and my last few attempts to have them call me have gone unheeded. I have exhausted everything I can do even emailing their CEO who has never responded or had anyone in their office respond. Have left messages to have this issue escalated up the ladder and still no calls to me. I feel as though I am paying more interest because of their practices then I should be paying. The last person I spoke with ( XXXX XXXX told me the problem is because I have a bi-weekly payment plan with them. I feel this is absurd as if this was the case it would be happening all the time and not sporadically in which XXXX had no response. I feel you should look into XXXX and see if this is happening to everyone with bi-weekly payment schedules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Got a letter in the mail stating that my card was sent out out XX/XX/2021 it is now XX/XX/2021 and i have claimed my weeks and they stated to me that my money will be getting sent to a Way2Go card and i told them i dont have a way to go card i contacted the company the lady did not want to help me she transferred to a line that never existed her name that she gave me was XXXX she did want to give me any more information or let me speak to a supervisor she was trying to hang up on me and she did not help me she was very rude and i called back and got another representative he told me that they didnt have any trace of me in the way 2 go system what so ever but i have a paper with a claim ID on there as well as a CID number and they cant find it with me social or name or address or anything so how is my money being sent to a company that doesnt have anything containing me in their system and is not willing to help me get to the bottom of the situation i have 4 weeks worth of money coming the card was supposed to be here in 7 to 10 business days here it is almost a month later and they have no records of me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was hit randomly with 2 hard pulls from capital one On XX/XX/2019, XX/XX/2019. I never applied for anything with there bank or signed anything with there bank. I have explained to them this is fraud and that they were going to look into it. 

Under the fair credit act the 30 days has been up. I was told from talking to customer reps that since I did not approve my credit to be pulled that this must come off my credit file to all the credit agencies reporting. Since this is fraud. 

I am looking for someone to please help the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i recently looked at my credit history and found that Portfolio Recovery associates, LLC is trying to recovery a debt that is not mine. I have disputed this online many times and they just keep putting it back on my credit. I do not owe this company anything and they are violating my rights to keep adding this to my credit history with new dates so that the statue of limitations keeps going for more years i have disputed this for at least 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: Harley Davidson Financial Services Inc
State: CA
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:
XXXX  has been non-compliant with removing the unverified account HARLEY DAVIDSON FINA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that HARLEY DAVIDSON FINA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AES/PHEAA
State: MO
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:
On XX/XX/XXXX I enrolled in a program for XXXX at XXXX XXXX. Due to personal reasons I was forced to switch to the XXXX XXXX program and was still charged for XXXX classes. 
There was a very poorly handled situation with this program and I was forced to transfer to XXXX XXXX XXXX program on XX/XX/XXXX. I graduated from this program in XXXX. Although I did receive a certificate I have not been able to find work in this field. Employers see my certificate and know it is just that - a certificate. 
XXXX has no record of my enrollment in XXXX, but I was charged for a XXXX  class on my transcript. 
I believe that I am being charged for the XXXX program that I was not allowed to finish. The average tuition at the time was {$11000.00}, but I was charged over {$18000.00} and now have over {$20000.00} in outstanding Federal loans. 
The program education was not accredited and the credit hours were not transferable, of which I was not advised and the instructors rarely showed up for class. I never received any hands on training in the field, and subsequently was never able to find a job in the field. 
I never wanted to be a XXXX XXXX XXXX, but did want to be an XXXX   XXXX instead. In my opinion, XXXX XXXX has put me in a position of debt that is totally fraudulent. 
In XXXX I began trying to reach out to obtain transcripts from the program and while I received the transcripts it still does not explain why I was charged for classes for a program that I was not allowed to complete. 
I also submitted a letter to the US Dept of Education on XX/XX/XXXX and was never informed of the progress of my complaint.

Company response to consumer: Closed with explanation