BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EdFinancial Services
State: TX
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:
XXXX is my loan service provider. Since earlier this year, they have been transferring loans to a new platform. I received notice that my loans would be transferred starting on XX/XX/XXXX. I was told this transfer to the new system would take 14 days and after that I would be able to create a new account on the new platform to access and pay my loans. 
On XX/XX/XXXX, the transfer to the new system was initiated. The old platformed confirmed this and my balances showed as {$0.00} during the transfer. 
On XX/XX/XXXX ( 16 days after the transfer ) I attempted to create a new account on the new system, but my account could not be found. 
I tried again several more times in the week that followed, all with a error alert that my account could not be found. 
On XX/XX/XXXX, I received an email from XXXX detailing that the transfer was taking longer than originally estimated and that I would receive notice when it was available. 
I tried several more times in the week after that to create an account. 
On XXXX XXXX ( over 30 days since the transfer was initiated ), I called XXXX to request an update. As XXXX percent interest is ending on XXXX XXXX, it is imperative that I access my loans to pay a portion down -- I have enough to pay off one of my loans completely and did not want interest to accrue unnecessarily. 
I waited on hold for XXXX minutes. When I finally got through, the customer service rep could not provide me with a concrete time line for when I would be able to access my loans. She repeated that there was a delay. I told her of my intention to pay some of the amount owed and she advised that I would simply have to wait. I asked if there was an alternative way to pay and was told that I could send a check, but that I would have to put my Social Security Number on the check since I don't have a new account number and that the check could take up to 90 days to process because of the transfer. 
I have since tried to access my account several more times, with no success. 
On XXXX of XXXX, I received another email that the delay was ongoing. 
I have received no updates and still can not access my account or pay my loans. 

It's unacceptable that I can not access my loans and there is no real alternative to pay during the transfer -- especially right before interest starts up again. Because I can not access my loans to put payments toward them, I will accrue interest unnecessarily. XXXX needs to promptly fix this issue so that I can access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: FL
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:
According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXX XXXX  and XXXX XXXX XXXX of the law. I was advised by both XXXX XXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called XXXX at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called Equifax and spoke to XXXX on the XX/XX/2022 and he said that Equifax can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to XXXX and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over 15 % of my income has been taken by Wells FARGO with countless fees. {$1000.00} 's!!! Separate fees of {$35.00} each were without warning of exactly when or how many. It is impossible to predict. Fee stacking is used to perpetuate more fees and in turn keep the account at a level that only causes more outrageous fees. It has had devastating consequences on my finances and on my life. I am about to get evicted and lose my car because of it. I am emotionally wrecked. The bank i trusted my money to has taken it from 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 2021-10-04
Company: FinCo Services Inc DBA Current
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I enjoyed opening the account until they strung me along withholding the {$50.00} bonus promised to me upon fulfilling all of the requirements necessary using the code " welcome 50. '' I was emailed upon being direct deposited over 1,000 on XX/XX/2021, I was congratulated and told to be expecting my bonus XXXX dollars because I received a direct deposit over the amount of XXXX dollars within the first 45 days of me entering the code " welcome50. '' However after being told to wait 10 business days to receive the funds and then being told to wait 30 business days to receive the funds in an in-app chat support conversation that disappears way too quickly and then escalating the case and being told to wait 4 business days and then being told to wait 4 more business days : I have received a bonus of {$0.00}. 
Only gaslighting from bots in the chat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
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: Account information incorrect

Complaint:
I purchased a vehicle from XXXX XXXX on XX/XX/XXXX with an extremely high interest rate which I assumed was due to my credit score. The vehicle was stolen on XX/XX/XXXX. The police found the car and returned to XXXX and they sold the vehicle. After the vehicle was sold, my Gap insurance kicked in and XXXX advised that vehicle was sold and I had to pay remaining balance. I reached out to Customer Care several times to settle balance and to inquire about the interest rate and was offered no assistance which is when I requested to speak to a manager. I was given the run around and was told several times that a manager would reach out to me and no one ever reached out.

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 2023-08-28
Company: FIRST NATIONAL BANK OF OMAHA
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I was initially drawn to do banking with XXXX XXXX after learning about their high yield savings account and their " round up '' and " jars '' saving features for saving available through their application and provided with their spending account. I had no issues making an initial transfer of XXXX XXXX to the savings account and after my debit card arrived I decided to make the switch over to XXXX XXXX from my previous banking institution. I proceeded to update my billing information with subscriptions, loans and other bills that I have and I also updated my automatic deposit info from work. I also proceeded to transfer all of my funds ( XXXX ) from my checking account to XXXX XXXX and I also linked and transferred XXXX from my wife 's account to the savings, since we plan to consolidate our savings here. On Wednesday of last week ( XX/XX/XXXX ) an account restriction was placed on my checking account. When I tried to contact XXXX XXXX  via the live agent chat it was not available so I reached out to them via the only other means available, email. In response to my email I received and automated message stating that my account had been placed on a restriction and that it was likely due to having transferred funds from an external account which I did not own ( I'm assuming that would be my wife 's account which I linked through their application ). After I responded back to inquire about the approximate time it would take to remove the restriction, they replied back with the following automated message : Hi Thanks for reaching out! I'm going to transfer you to the correct team and someone over there will be able to help you out. They typically reply within 1-2 business days. You'll get a push notification and/or an email notifying you when they respond. 

Today is XX/XX/XXXX and I have yet to hear back from the " correct team '' which I'm assuming is their fraud department. I also sent follow up emails today to request an update to which I received the same automated response. I did call the number on their XXXX page which has an automated response and says they are only communicating via their chat ( which is no longer available ) and email. Today I also noticed that my transfers have been withdrawn from my previous bank account ( and wife 's ) but are still pending at XXXX XXXX  and I assume it is due to this restriction that they've placed. I've been forced to use credit while I wait and hope for a prompt resolution to this, but I'm afraid that will not be the case and soon I will start defaulting on payments to other institutions and become financially stalled due to this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: FL
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:
According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXX XXXX  and XXXX XXXX XXXX of the law. I was advised by both XXXX XXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called XXXX at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called XXXX and spoke to XXXX on the XX/XX/2022 and he said that XXXX can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to Experian and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.

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 2018-05-17
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called Sallie Mae to request my account go into forbearance because my parents had gotten divorced and i had to move to Florida to support my mom, which made me financially unable to pay the loan that month. The representative on the phone accepted my request for forbearance and told me that I would not have to pay anything for the month of XX/XX/XXXX and my regular payments would start back up in XX/XX/XXXX. I said that was more than fair and I even asked him to repeat it because this is the second time now someone there has said I would be going into forbearance for the mont. This is also the second tie they lied to me. Come to find out today, XX/XX/XXXX, I get a call from them saying we I'm 60 days past due, and I'm not in forbearance because they payment did not go through. Firstly I knew nothing about a payment, and second they should not wait til I'm 60 days overdue to tell me that they made a mistake on my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Riverwalk Financial Corporation
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the legality of the debt because I do not recognize XXXX. I took out a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back in XXXX in the amount of {$800.00}. I paid three payments of {$250.00} with one returned by my bank for NSF. They re-ran this ACH three subsequent times, causing further overdrafts. Then in XX/XX/XXXX of this year, I started getting correspondence from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX is a tribal entity that bought this debt and onctheir behalf, the above collection agency is trying to collect {$1500.00}. I am disputing this allegation/claim because I have never done business with XXXX. Also, XXXX XXXX XXXX refused to verify the original debtor, XXXX, the original date of the debt and the amount. They listed it on my credit report as a debt originated in XX/XX/XXXX, which they are claiming as a new debt. Further, they are using an ACH withdrawal per XXXX ; to verify the debt as being owed to them. When I spoke to XXXX, he asked for my SSN, which I provided and said I did not recognize the loan originator and the dates. He then mentioned XXXX and pressured me to settle. I was unable to clarify to him that the debt originator and dates were incorrect. He was rude and told me I listened to you and now you will listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: MD
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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, XXXX XX/XX/XXXX, opened XX/XX/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 2023-03-15
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
My issues were not addressed. I asked Equifax to verify all items on my report and they did. They stated that everything was accurate without providing any proof. I provided all the accounts and highlighted all inaccuracies. Under the FCRA Bureaus are required to have a copy of the original creditors documentation on file to verify that the information they are reporting is actually mine, and it also has to be correct as well as accurate. When asked to verify bureaus are supposed to provide original copy 's with my original signature as verification. Equifax did not provide this information. They just stated that the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I purchased a vehicle from XXXX XXXX on XX/XX/XXXX with an extremely high interest rate which I assumed was due to my credit score. The vehicle was stolen on XX/XX/XXXX. The police found the car and returned to XXXX and they sold the vehicle. After the vehicle was sold, my Gap insurance kicked in and XXXX advised that vehicle was sold and I had to pay remaining balance. I reached out to Customer Care several times to settle balance and to inquire about the interest rate and was offered no assistance which is when I requested to speak to a manager. I was given the run around and was told several times that a manager would reach out to me and no one ever reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Williams & Fudge, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The lady keeps calling over and over and will not tell me what the debt is about but keeps asking for my personal information. I asked her not to call anymore and she will stop for a few days and then start calling every day again. I do not even know what bill this is about.

Company response to consumer: Closed with explanation