BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Mohela. They said they can not remove student loan as a negative item. When I first got done with school I had no way to pay it. Due to not having income. Ive been making my payments. Its in forbearances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Commonwealth Financial Systems, 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:
On XX/XX/XXXX two items showed up on my credit report that were the same alleged debt, with the same amounts and from the same company. The items were from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, with the account number XXXX. I Disputed this item as soon as it arrived on my credit on XX/XX/XXXX with both the debt collection agency and XXXX XXXX XXXX ( the original creditor ), however the company put in the entry that the start date was XX/XX/XXXX. This item did not show up until XX/XX/XXXX on my credit report ( XXXX ). XXXX then removed one of the duplicate entries but did not remove the second one. I disputed the second one through XXXX  directly, and also disputed it through XXXX as it shows up on that bureau as well. They stated this alleged debt was shown to be valid, although the original creditor had a false address attached to it and I disputed it based on not obtaining services through the original creditor, which I did not receive services from. Furthermore, this alleged debt originated in XX/XX/XXXX and is time barred. Despite all of this, XXXX and XXXX  upheld the entry and allowed it to remain on my credit report. I have already disputed this debt through the proper channels, and one of the entries was already removed. I am requesting this other entry be removed from my credit report and to not be contacted in any way about this alleged debt from anyone. To be clear, I dispute this alleged debt and I do not owe this debt. I have not obtained services from XXXX XXXX XXXX, and attempted to prove that by the fact they had an address on file I never resided in. Furthermore, this is time barred. Please correct this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I dont have the exact amounts but I do recall various issues of charges pertaining to my vehicle loans. I recall having loans around XXXX and 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 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
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:
Please cease and desist all inaccurate reported information on closed account with external finance there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2

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 2023-06-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was a victim of a predatory auto loan- they collected {$4000.00} down payment- my car was totaled 4 months later and I was severely injured- my insurance and gap insurance should have covered it- When I finally went back to work they took my first paycheck in an un authorized automatic payment- I was almost evicted. 
They have since decimated my credit. 
They continue to increase my credit limit and charge late fees.

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 2020-12-07
Company: EQUIFAX, INC.
State: OK
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:
I have now called several times today. I was just hung up on on my last call without ever getting anyone even helping me. I immediately asked for a supervisor because of the poor handling of the prior calls. I asked for an agent in the US and she said they don't have any agents in the United States. She then hung up on me. I took the survey but nothing will happen out of it. I can't even get through the phone system now because they have flagged my number or information. I was able to get through on my previous calls. This is retaliation. Our credit information is being handled by people outside the United States and I am not comfortable with this whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates has repeatedly harassed me both at my place of business and on my personal phone. They also have been spoofing their ID trying to hide their numbers from me so Ill answer their nasty calls. Ive told them numerous times not to contact me at work but they still are. I do not owe these people anything and their harassment needs to stop. They just called me today on a Sunday. Thats taking it too far on a Holy day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo XXXX case of which they never informed me of.

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 2023-03-09
Company: Shellpoint Partners, LLC
State: CA
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:
The reporting on this account are incorrect and inaccurate. I see dates which are incorrect and no proof or unverified. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There really wasn't an option for my issue. Chase Credit Cards closed my account late last year because my last name didn't match my new married name on the joint bank account I was paying from XXXX not the issue, but none of the other cards did that ). My issue is that since the cards have been closed, they will not allow me to pay off or pay more than the minimum. I am guessing this is not ok, and I am hoping it is not acceptable. 
I sent them an email with my issue today also telling them that I was filing a complaint. It isn't my computer, I have tried different ways and refuse to pay a fee by calling in a payment. I shouldn't have to pay their high interests fees for years if I can pay it off today or even pay more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TRANSUNION has violated Federal laws concerning the use of private information. TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting TRANSUNION to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an e-oscar report. If TRANSUNION isn't able to provide said items, negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 

Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 

TRANSUNION is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

TRANSUNION you have 3 days to remove negative unverified information TRANSUNION Commission file number XXXX ( I.R.S. employer identification Number ) 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
At XXXX point I had XXXX in my account, and then the next thing I know the account was just canceled. I assumed maybe I went over spending, but a buddy of mine overdrafted his account by {$10.00} and they hounded him for years. They just closed my account and give a reason. I stopped using banks because of this

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 2022-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
someone opened a fraudulent account for XXXX using my SSN. I was never told anything about this until it showed up on my credit report as I tried to finance my home

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 2021-08-09
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I made my XX/XX/2021 payment on the day that all of my loan payments have been due which is on the XXXX of the month. Ally financial reported this payment as 30 days late. I spoke with a customer service representative on the phone who confirmed that I made the payment on the correct day it was due but because the month of XXXX had 31 days in it I should have made the payment earlier instead of the day that it was due on. The customer service representative was extremely unprofessional on the phone. When I asked to speak with a manager I was told that the manager would tell me the exact same information and that I would be on hold for 35 minutes ; before I could even respond I was placed on hold only to be transferred to the incorrect department.

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 2018-05-17
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Creditor Name XXXX XXXX XXXX Original Creditor 12 SPEEDY CASH 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 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.

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 2023-08-12
Company: JPMORGAN CHASE & CO.
State: MA
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:
Person or Persons are applying for Credit cards using my personal information. I have not applied for any credit cards in over 5 years, but I am receiving a card in the mail that was approved, along with another mail from a different institution saying my application was not approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with XX/XX/XXXX and XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I scheduled two payments online to pay {$250.00} each for my XXXX credit card. One was scheduled XX/XX/XXXX and one XX/XX/XXXX. Before these dates the credit card was discharged and my online access was revoked. I called XXXX credit services and was told that the payments would need to be resubmitted. That they were no longer on the account. I resubmitted the one payment for XX/XX/XXXX over the phone. As of XX/XX/XXXX I have now been charged {$250.00} 3 times. I was lied to regarding the scheduled online payments. They were still withdrawn from my account, as well as the one phone payment. I believe their actions to be intentional to receive more money.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checks would take forever to clear meanwhile most of my transactions were going through and I would accrue tons of OD fees.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had Wells Fargo and I saw they have to pay customers and I havent been paid. I had wellsfargo from 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 2020-12-07
Company: INVESTORS BANK
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: Account information incorrect

Complaint:
At the end of XX/XX/2020 my mortgage bank, Investors Bank, offered me a forbearance for 3 months due to Covid-19 pandemic issues.

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and Investors Bank said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both XXXX  and XXXX are still reporting it as {$340000.00}. XXXX is reporting one month behind at {$320000.00}. 
I have notified Investors Bank several times, but it doesnt seem to help. I began a dispute with XXXX  two months ago, but nothing has changed. I can not get through to XXXX  to file a dispute, and I have tried numerous times.

So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way Investors added {$25000.00} to my loan balance did affect my credit score.

Second, I feel Investors is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have attached the screenshot that I received from PayPal for your reference. 

I am the XX/XX/XXXXof a Sunday XXXX language class of XXXX kids. For XXXX gift I collected some money from other parents and sent it to the XXXX language teacher. 

The amount of the this money transfer is {$100.00}. 

PayPal put a limit on my account by sending me 2 different requests : ( 1 ) I have to provide the birthdate of the recipient ( 2 ) I have to provide my business documents I responded by calling PayPal and responding using PayPal system to clarify that I don't have a business. But PayPal still insists that I obtain the birthdate of the recipient, who doesn't feel comfortable to share this privacy. 

Please investigate into PayPal 's request and PayPal 's limit on my PayPal account. 

Thank you! 

My name is XXXX XXXX PayPal account is XXXX My phone is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FOR PROFIT DEBT BUYERS WROTE ME ON XX/XX/19. I actually received their letter postmarked on XX/XX/XXXX. I kindly responded to their Frivolous claim onXX/XX/2019. I simply advised to Cease and Desist, Validate to actual debt and valid ate themselves to me. I responded in accordance to their fraudulent letter in a timely matter as I do not have a Valid Contract with Nationwide Recovery Service, or do not wish to contract with them. OnXX/XX/19 Nationwide Recovery issued a unknown medical Record with no instructions, reply, or response to my originally mailing. But as of XX/XX/XXXX NationWide Recovery Service has reported the disputed Frivolous debt to all the Credit Reporting Bureaus without verifying the debt. Identity Theft has been committed by Nationwide Recovery Service as they obtain my Social Security Number illegally and Hippa Laws are broken as they obtained alleged medical records without my permission.

Company response to consumer: Closed with explanation