BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: MOHELA
State: NY
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:
I received a letter in the mail in XX/XX/2022 from a company called XXXX XXXX stating that I was eligible for the consolidation of my student loans, and I am eligible for loan forgiveness. I called them and we set up a plan that would make my debt forgiven after 120 payments. In order for them to make the documents they said I had to pay {$800.00}. I wasn't able to pay that amount up front, so we set a payment plan to take three separate payments out over a span of a couple weeks. Since then, {$39.00} have been coming out of my bank totaling {$1000.00} has been taken out of my checking account and no changes have been made to my student loan status nor have these payments been applied to my loans. I contacted Federal Student Loans and told I was scammed, and these forms are free to contact my bank. I have all of my emails and agreement from them. When I finally got through to them, they made me feel like I was making things up and even said in my agreement I was able to do these forms for free. Nowhere in the agreement said that. 
Unfortunately, my bank can not resolve my issue as it is 60 days before the transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: TX
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 am one of the 143M Americans whose credit information was compromised by the recent XXXX data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.

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: EQUIFAX, INC.
State: NY
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 report act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than the record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person hall not furnish any information to a consumer or any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
second time am attaching my FTC ID and SS, I am responding to Experian from my original complaint attached is

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 2023-01-13
Company: EQUIFAX, INC.
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:
On my credit score enquiry, I found that one loan account was showing active on me from XXXX XX/XX/2021 with XXXX XXXX XXXX XXXX but I havent taken any loan from this organization. They are showing XXXX XXXXXXXX loan on me which I haven't taken and now they are keep on increasing my amount remaining

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
Walked from home to XXXX XXXX XXXX XXXX ; made purchase ; paid with credit card ; stopped by hand sanitizer after paying. Lost credit card at some time after paying and before actually arriving back at my home. Some hours later, i could not find the credit card ; searched premises ; checked online account transactions. By the time I checked, four unauthorized charges, previously listed, were made. Online, I reported the unauthorized charges ; locked credit card. At XXXX XXXX. there was an attempt to charge {$83.00} at XXXX XXXX XXXX XXXX. The purchase was declined because of thelocked credit card. 

I was able to report the loss and fraudulent charges to a live representative ( XXXX in XXXX ) of Capital One VISA at approximately XXXX XXXX., XXXX XX/XX/2020. A police report was filed. 

Capital One credited my account, but charged them to me again on my XXXX statement. My Confirmation Code XXXX is for wrongful charges reappearing ( XXXX was Fraud Manager taking complaint. ) The charges were again deleted and recharged on XXXX XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPAA VIOLATION INACCURATE COLLECTION ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Wells Fargo has 2 Cashiers Checks which were lost/stolen. Their Bank at XXXX XXXX XXXX  XXXX in XXXX, NV refused to cooperate to locate the funds as the Branch Manager asked me to leave the Branch and called building security. 

The check of {$1500.00} is serial number XXXX, Account XXXX payable XXXX to XXXX XXXX and {$7000.00} serial number XXXX, Account number XXXX issued XXXX payable to XXXX XXXX. 

The Bank needs to trace the funds to determine which Cashiers Checks are missing and re-issue them. 

The {$7000.00} Check is from the XXXX, NV Branch on XXXX XXXX. 

Both Branches have not re-issued the lost/stolen Checks. 

The accompanying checks were cashed by me and other checks were issued ; these are the checks lost/stolen.

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 2020-05-26
Company: EQUIFAX, 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 met with a loan officer today XX/XX/2020 because I'm in the process of buying a house but when my credit report came back, I was told that I did not get approved for any loan at the moment because there are several accounts in negative standing appearing on my credit history. I didn't even know I had negative accounts on my credit because I have always paid everything on time ; I looked through my report and I saw about seven accounts that I never opened. I don't know who opened those accounts in my name but I did not give anyone permission to do so. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts that I did not authorize to be opened on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020 td bank charged a late fee to our account. We disputed the charge.. Paid the monthly payment except for the disputed amount.. On XX/XX/2020 td bank over turned the late fees.. But because i didnt pay the late fee, which is under dispute, they charged another late fee for the late fee they said i dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Specialized Loan Servicing ( part of the XXXX XXXX ) I've sent in a written request to remove PMI a month ago and had no correspondence with them since. I am at 74 % and in reading the rules it seems like at 78 % it should automatically drop off. 

Seems like this is all rigged for the loan companies to continue to collect this PMI fee and frustrated at the lack of communication.

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 2022-01-06
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal decided to take unilateral action to restrict my account and hold my funds. I attempted to transfer an existing account balance of {$5800.00} from PayPal to my linked bank account. PayPal decided to " Deny '' transferring my balance to my bank account, permanently restrict my PayPal account access, and hold my balance of {$5800.00} for 180 days. When I contacted PayPal, they offered no resolution other than to sit and wait the 6 months to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent a letter to XXXX disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed 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 2020-05-26
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible CHAPTER XXXX BANRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-06-01
Company: CAINE & WEINER COMPANY, INC.
State: FL
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 of XXXX there is a discrepancy on my credit report. Back in XXXX of XXXX i noticed an inquiry on my credit report. It was from CAINE & WEINER. I have over 830 credit rating and pay all my bills on time. 4 months later they have added a delinquent status for progressive auto insurance which is literally impossible. I use ETF to pay my insurance bill. So whatever I owe is taking out automatically from my bank account. I switched from XXXX to XXXX insurance in XXXX of XXXX and obviously left my account in good standing. 

In my opnion, this company looks for people with great credit scores and then ding them with a bill assuming they will just pay to avoid the damage to their credit rating. It is literally impossible to owe a bill if you are paying it monthly with funds transfers direct from your bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A complaint was filled about a Wells Fargo check number XXXX for {$980.00}. The check was clearly cashed out at a XXXX XXXX XXXX from an unknown person, this person is not associated with XXXX XXXX XXXX. The check maker ( XXXX XXXX ) has expressed to Wells Fargo that the check should have been cashed by XXXX XXXX XXXX. However, Wells Fargo told the check maker that XXXX XXXX XXXX needs to make a complaint. 
XXXX XXXX XXXX made a complaint to Consumer Financial Protection Bureau. And received a letter from Wells Fargo, stating that XXXX XXXX needs to file the complaint. 
In the XXXX XXXX XXXX  letter, Wells Fargo understands the difficulty, and that XXXX XXXX XXXX didnt receive the payment however can not act with the information received from a third party. To file a claim please have the maker of the check contact Wells Fargo. The maker of the check is XXXX XXXX. 
XXXX XXXX contacted Wells Fargo as instructed by the letter. Wells Fargo stated that they see the transaction was posted correctly. However, the transaction was incorrectly cashed out by someone other than XXXX XXXX XXXX. This issue was constantly being stalled because Wells Fargo is making both parties go around in circles. Time is going by and both sides need this issue resolved. 
Both parties have complained and have letters from Wells Fargo about this issue and was ignored. 
This complaint is now being filled by XXXX XXXX because Well Fargo see nothing wrong with the check being cashed out by an unknown person.The check should have been cash out by XXXX XXXX XXXX only, as stated on the check.The check instructions are on the attached check and was not followed by Wells Fargo. Wells Fargo needs to fix it. They even admitted in the letter to XXXX XXXX XXXX that the funds didn't go into XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXX  Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due  Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History

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