BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: AES/PHEAA
State: MD
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:
When it came time to repay my student loan I was not sure of the best value. Between the provided tool and my financial planner I decided on the extended fixed payment plan, with a payment of {$600.00} ( adding {$60.00} extra ) for a term of 20 years. I made sure to do direct deposit for the 0.25 % savings and the ease of setting/forgetting. In XX/XX/2017 I received a notice that an Income-Driven Repayment Plan was approved. Having been told I was ineligible for that option due to my income I let that slide - had to be an error. When a paper slip mentioned a bill of {$0.00} I complained to the XXXX customer service - received no help, was told that I obviously put the change there ( when I had not ), never mind there being no income to draw from to make an IDP estimate. Frustrated I decided to continue paying $ XXXX/month in spite of having XXXX balance bills so that I would not be behind on my payments. In XX/XX/XXXX/XX/XX/XXXX I got a notice that my IDP was set to expire. By the end of XX/XX/XXXX (XX/XX/XXXX ) when it expired my payment went to $ XXXX/month with the added {$60.00}. Panicked I signed up for the IDP before remembering that I wanted the Extended Fixed Plan. The same evening I signed up for the Extended Fixed Payments plan. Seeing no movement I applied for that plan again. Now the XXXX program wants me to pay $ XXXX/month even after I've put in paperwork months prior to change my repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on XXXX of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate XXXX XXXX ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance $ XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity theft and someone used my information to obtain credit card with XXXXXXXX XXXX and XXXX. I have contacted these companies and spoke to their fraud department and was advised to file a dispute under fraud. These accounts are reported as closed. XXXX account number partial reported is XXXX and XXXX  account number partial reported is XXXX. These fraudulent accounts need to be deleted from XXXX, Trasnunion and XXXX I have already submitted my FTC fraud affidavit.

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 2018-03-04
Company: Northland Group Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter and I am requesting Debt Validation Contract For Debt and assignments according to Fair Debt Collection Practice laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: Platinum Holdings Group, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company did a lot wrong first they call my daughter 's work and scared my daughter. They talked to one of my daughter 's co-worker 's and told her he was a process server and had to serve me papers because I was been sued. Then when I called and told them I do n't owe the debt they kept threatening me at work, Told me if I did not pay right now they were going to sue. When I ask them for paper work they told me they do n't have to give me any. That the debt is in the judgement phase and I got to pay it right now.The company has three names XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The phone number is XXXX. I never got a loan for here and these people are harassing me and my family. When I looked on the web this looks to be some type of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.

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 2018-08-24
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CFPB case number XXXX Shows as " closed '' This is not accurate, I never received a reply. I requested that LEXIS Nexis remove all old, repeated, inaccurate information in my file on judgements and liens, They never replied and CFBP closed the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am not sure what XXXX XXXX was doing but his response was useless. He did not respond to the continuing complaints I made but went for the shiny object.

I raised the question about the interest rates I was offered after learning about another Wells Fargo scandal where they offered  different interest rates to XXXX and XXXX borrowers compared to XXXX borrowers with similar financial backgrounds. 

What XXXX got incorrect is that I was supposed to start the refinance process with XXXX XXXX on XXXX XX/XX/XXXX. Prior to that, he verbally quoted me an interest rate of 3.5 % when we spoke on the phone. Instead of calling me to reschedule, XXXX sent me an email saying he could not make the XXXX XXXX  appointment and I did not see it until after I called him to start the refinance process. Great customer service! I responded to his email by telling him we could speak the next day, XXXX XX/XX/XXXX, at XXXX XXXX. 

When I called on XXXX XX/XX/XXXX, I spoke with XXXX XXXX and asked her if XXXX was available and she said she did not show that he was. I am not sure if that was true or if she was trying to swoop in on his deal. I told her that I would just go ahead and refinance with her and she later offered me an interest rate of 3.375 %. I did not think much of this difference until I heard about the XXXX lawsuit against Wells Fargo a few days ago. Did XXXX try charge me more for some reason and I " lucked out '' when I called and got XXXX? 

I can not provide the interest rate XXXX quoted because it was VERBAL. Wells Fargo already knows my current interest rate. Since Wells Fargo has mastered the art of deception and misdirection, my guts tells me they will find a way to totally avoid this concern.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
see attachments

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX Account : XXXX XXXX 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. 
I did not sign any document with this company, I am asking CFPB to investigate this matter, because your company failed to provide accurate information.

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 2018-03-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended the XXXX XXXX XXXX XXXX in XXXX. I was lied to about what my income would be like and also I had no idea what I was signing when I took out my private loans from XXXX XXXX now Navient. I'm trying to get my private load payment to be reduced to an amount I can actually afford. I'm a XXXX XXXX XXXX single mom that has to live with her parents because I can't afford to be on my own due to these loans. My interest rate is a non fix rate which I didn't know that until recently. I was XXXX XXXX XXXX and the financial aid counselor at the school did not explain this to me. My payments fluctuate every month it's never just a set amount which makes it hard to budget. They are unwilling to work with me and accept the amount that I can actually afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-05
Company: American Credit Acceptance, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, ve sent in a deletion letter for American credit acceptance and I have not gotten a response the inguiry start date : XX/XX/2021 removal XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: NJ
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:
My home closed on XX/XX/2020. Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX  Loan # XXXX. 

My SS. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. XXXX My paid off mortgage on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX  Loan # XXXX is still showing up as outstanding on my credit reports Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX Loan # 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 2020-10-22
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/20 someone used my Venmo account ( which is linked to my XXXX XXXX Account if there are no funds in Venmo ) to make an online purchase on XXXX which I did not authorize. I immediately let them know of this transaction being fraud and I was still charged for this transaction partially with funds from Venmo and the rest from XXXX XXXX. I disputed this with XXXX XXXX and they returned the money to my XXXX XXXX account so Venmo then charged me on XX/XX/20 to fund the full transaction again. 
This is highly unethical. I am very upset that they took money from my account to fund a fraudulent purchase which I told them I did not authorize as soon as I was alerted in my email. 
I have contacted venmo multiple times by phone, chat and email and they refuse to help. They keep circling around the issue and have denied my fraud claim once already. I have asked what information they obtained in their " investigation '' that led them to deny my claim and they have not given me any information at all. Venmo is not answering my phone calls and everytime I reach a rep through email or chat all they do is ask me to verify my identity and then they do NOTHING to investigate my claim or return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit 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 XXXX XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX : # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Aloha, on XX/XX/19 I received my new mortgage statement for the up coming month to be paid in XX/XX/2019. In the statement it showed that I had whats called a short Fall in my escrow or reserve account. This can be common, because taxes and insurance can miss calculated, especially when it comes to Mr. Cooper. The experience is most of the employees are poorly trained and unable to answer any question correctly. When I studied that monthly mortgage statement t, i found the reason for the short fall. If you go back to my previous complaint against these BOZOs # XXXX, you will see that after the CPFB involvement they suddenly made all the corrections. But, what the BOZOs missed was crediting my escrow those two payments. So, I have NO clue where the escrow monies went? But they didnt get credited to my escrow account. Thus causing the short fall. This is now my second complaint against these BOZOs, and it is my hope that the CPFB will place a fine against Mr. Copper, they now have a D rating with XXXX XXXX XXXX, how do you even do that. XXXX XXXX only had a C rating. 
So, we need to get my two months of escrow credited asap thus not requiring my payments to go up due to the miscalculation of Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Last fall, we received a Vanilla Gift Card and checked the balance, which was {$50.00}. On XX/XX/XXXX, we visited XXXX to pick-up a few items and attempted to use the Vanilla gift card, which was declined. Later that evening I called Vanilla Gift Card for assistance at XXXX and was informed by customer service that {$48.00} had been charged to XXXX. Confused, I conveyed the fraudulent transaction and was given case # XXXX, also received an email with attachment ( Dispute Packet ) ; stating an investigation would begin once the attachment was completed and returned. 

I promptly completed and returned the email with attachment and received the following response on XX/XX/XXXX " Please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. Please allow time for the processing of your dispute. The entire cycle can take 45-90 days ; however, some cases are resolved before then. '' I followed up after 30 days, on XX/XX/XXXX and received the same response as above. 
I followed up again at the 60-day mark XX/XX/XXXX same response as above. 
I followed up again at the 90-day mark and still received the same response again as above. The 90-day mark XX/XX/XXXX I followed up again and received no response. I contacted them again on XX/XX/XXXX and still no response. 

I called and the automated response stated to allow 180 days, so I waited and until XX/XX/XXXX to follow up again and was informed I would receive an email response. Finally, I called XXXX after about an hour I spoke to a representative, who conveyed the case was still pending resolution. 

I am following up again since there has been no communication or conclusion to my case, which is now five months ( 150 days ) without a reply. Vanilla organizations courtesy and professionalism have been poor, and integrity seems to be lacking. I look forward to a more satisfactory response. 
XX/XX/XXXX, I submitted another email with the above information on it and still received no response :

Company response to consumer: Closed with explanation