BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: EdFinancial Services
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:
I called EdFinancial on XX/XX/31 to inquire about getting loan payments made during the pandemic forbearance refunded. The website clearly states that I am able to do this. There are a couple of issues I am having with this process. 

First off, I am unable to see my payment history. Initially, the representative I spoke with said that because my loans were purchased by EdFinancial they did not have access to my payment history, even though the payments I made during the pandemic forbearance period were indeed to EdFinancial and not my previous loan servicer. After putting me on hold, the customer service representative I was speaking with said he had access to a tool that would find these payments, and after listing each payment to me one-by-one, I calculated the total to be {$1200.00}. I asked if my payment history would be updated on my website portal. He said it would not be updated. I asked if I had access to the tool he used to find the payments I had made. He again said no and told me I did not have access to this information. Apparently, I am to trust that this information is correct with no way of checking on my own. The lack of transparency is honestly troubling. 

Another issue I have with my interaction is the timeline for my refund to be processed. I was told it would take 150 or more days to process the refund to my account, well after the date during which applications for forgiveness will be available to submit. This wait time is unacceptable considering other servicers are giving timelines of XXXX weeks for processing of refunds to loan accounts. 

Furthermore, after submitting an application to get my refund processed, the representative did not indicate if I would get anything in writing, whether it be an email, text message, or note on my account. My impression is I have to just trust that the application was submitted and that things will be processed in a timely manner. Again, another example of a lack of transparency from EdFinancial. 

Lastly, I was told that the refund would " reopen my account '' after the forgiveness was processed, and that I would " accrue interest '' on the refund amount, since it would take them so long to process the refund. Again, this is unacceptable. I did not make a lot of payments during the pandemic, but I know people who did and are in this situation will now have to worry if they will be on the hook for large loan amounts after the forgiveness is processed for them, with no way of getting the loans forgiven after their initial forgiveness is processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, During my residency in XXXX, I opened and used a Paypal XXXX account linked to my email " XXXX ''. 
At 2018, I left XXXX permanently to settle in XXXX, from there I had no access to my paypal account which contained about XXXX CAD. 
Many times, I ask paypal to give me the opportunity to recover my money before transferring the account to XXXX, the proposed solution and access the account and perform the operation. However, this solution is unfeasible since I have to move from XXXX and XXXX to access my account and transfer the XXXX CAD. 
Until today the case is pending, no solution has been proposed by Paypal to solve my problem. 

Thank you in advance. 
XXXX XXXX if this message is broadcast please hide my e-mail and my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was a victim of identity theft several accounts are illegally being reported to my credit report Citizens One XXXX i have also informed the companies of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Hello, I have been a customer for XXXX for a few years as I've used the service to send funds monthly to cover medical and housing expenses for my elderly parents. On XX/XX/2022, I sent a transaction totaling {$1000.00} to a family member to collect on my parents ' behalf and the transaction was canceled and funds returned. I later found out that my family member is unable to accept funds from XXXX, which I was not aware. 

I logged in late last week to send the month end rent payment and was asked to scan my ID, which I did. As I proceeded to send the funds, I received a message that " For security reasons, we are unable to complete this transaction online, by phone or at a location. Please try sending again in a few days. '' I tried again after a few days and still the same message. I called customer service and was told that the system has blocked me permanently. 

I am a XXXX Plus Rewards member ( XXXX ) and have earned points toward discounts on sending funds so I've used this service exclusively. I've had no instances of fraud. I primarily send the same amount to the same people monthly and have no history of issues. To block me from accessing the service with no disclosure of the reason or an opportunity to review to see if an error occurred, and no future benefit of the rewards program, has created harm. Financial services should be accessible to all and if you deny access, I should be provided with a disclosure or reason for that denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion reported a new XXXX card issued to me on XXXX XXXX. Contacted cc company and it doesn't exist to it, due to the special numbers used : Date added XX/XX/2022 Account XXXX XXXX Account number XXXX Type Bank Credit Cards Creditor Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX Investigating fraud department adviced to report it as 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 non-monetary relief
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: HI
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 made efforts in getting rid of a collection account for the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX I reside in XXXX Hawaii XXXX since XX/XX/XXXXnever been to hospital of out hawaii I have notified them that I believe that I am a victim of identity theft and was ask this debt collector provide me information about the debt amount {$3100.00} The company has failed to adequately provide me with documentation that the account actually belongs to me. I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims

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 2017-06-26
Company: Experian Information Solutions Inc.
State: IN
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:
On X/XX/17 I filed bankruptcy. XXXX XXXX was sent the bankruptcy paperwork from my lawyer. XXXX still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. XXXX has exceeded the time limit to fix this on my credit report.

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 2022-01-11
Company: EQUIFAX, 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 was taken advantage of after several of accounts were removed form my account then replaced. This is a updated report that was recently pull and none of my reports from the bureaus are reflecting. Please correct information. Once information is removed, you can not go back and put it on my report again which you did. I am being taken advantage of, many practices are been broke by your company. You have hurt my ability to obtain credit and I cant get a sba loan for my current business. Please XXXX HELP ME IN THE TRYING TIME. I CURRENTLY HAVE XXXX AND HAVE BEEN IMPACTED BUT STILL I PAY MY BILLS ON TIME. I WANT ALL NEGITIVE ITEAMS REMOVED FROM MY CREDIT REPORT AFTER SEVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY UNDER THE FCRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Debt collection account : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXXXXXX XXXX Being reported to Transunion and XXXX XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of XXXX, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, XXXX XXXX XXXX and have been ignored with no response.

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 2022-08-31
Company: Affirm Holdings, Inc
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account reported new on XXXX XXXX and reported delinquent on XXXX XXXX from Affirm IncXXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXX California XXXX XXXX ( XXXX ) XXXX, phone number is disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Conn's, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Trying to access my account online. The online system for Conns will not allow me to access my account to pay my bill. I am not comfortable with paying my bill without having access to the account balance as I have had issues in the past with payments not credited correctly. I have expressed this concern with Conns and I am receiving 1st payment default notices. They originally claimed the issue would be resolved within 24 hours and I would have access. After another 5 days I am being told they still have not resolved the issue. I want my account on pause until this is resolved and my due date extended due to their mismanagement of their systems. I understand under the Fair Credit Billing Act and Fair Credit Reporting Act they must give me access to this information and are not giving me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For the past two years I have been attempting to have my credit information corrected on XXXX, XXXX  and Experian. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either. 

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting 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 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
From XX/XX/XXXX through XX/XX/XXXX I had 17 requests for bank loans, credit cards, and lines of credit when XXXX and TransUnion lifted my freeze alerts without my authorization. XXXX, XXXX, and TransUnion also did this in XX/XX/XXXX and XX/XX/XXXX. At no time did they attempt to contact me by phone or mail to confirm that I wanted the freeze alerts lifted. I don't know why they issue a pin number if they don't request it when someone besides myself request that a freeze alert be lifted. Then the nightmare begins trying to contact all these companies, and then the credit bureaus in an attempt to clarify the dilemma. Trying to clarify this with the credit bureaus is almost impossible, taking me two to three hours with each if I was lucky. It seems the hackers have quicker access to my accounts than I do. What protection does the average citizen have with these three credit bureaus? How can one avoid this from happening again? What does our government do to protect the average citizen from this abuse? It seems that our government has allowed XXXX, XXXX, and TransUnion to have cache blanche to do what they want without the consumers having any protection from them.

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 2018-02-05
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
2 years ago we purchased a new build. We were told the mortgage payments would be approx {$1100.00} per month. For the 1st year, they came in around {$900.00} per month as they had not had our taxes assessed yet. The 2nd year they came in around {$900.00} per month as well. I contacted the county and they said that they had done the tax assessment on our new house. I assumed that maybe it was already included in our mortgage. Last week we just received a " Shortage Coupon '' from M & T Bank wanting us to pay almost {$5000.00} in back escrow payments for 1 year and a half of taxes that were assessed. They gave us the option of paying around {$1600.00} per month or paying the entire {$5000.00} up front. I called them and asked if I could work out a payment plan that was closer to $ 1200-1300 per month. They said I could not and recommended that if I could not make the payment, I should sell my house. I told them that it was their fault that they waited so long to make us pay the assessment. At the time of purchase, we were told it would take about a year. We have been in our house for around 2 and 1/2 years and just now got the increase. I will find a way to make the payments, but it will be a financial hardship. I don't have {$5000.00} lying around to pay them in full, and I new in a million years would have signed up for a {$1600.00} a month mortgage payment ( which is what is staring me in the face for this upcoming year ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2022-08-31
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My landlord uses Cash App, but I dont generally use this app. The landlord paid me {$50.00} for an air conditioning unit, via Cash App. I tried to withdraw the funds to my linked bank account, but the withdrawal would not work. When I contacted Cash App customer service, I was told that the debit card through my bank is not supported and that I should use a different debit card ( though prepaid debit cards are not supported ). I told them I dont have a different debit card, and the customer support said I am unable to manually override this, please link a different XXXX  XXXX or XXXX debit card. Again, I dont have a different debit card. They said I can assure you this is the best course of action. They gave me no information to access the funds. I need to withdraw them, and can not access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a Coinbase account and on XXXX XXXX my funds for {$20000.00} disappeared from my account without my authorization. I contacted Coinbase right away and they responded stating that I gave someone my recover phrases, which was not true, in fact my account was thumbprint protected. I did sign up for a mining pool, but even then I never shared my recover phrases or my password. I never willingly gave anyone access to my account with Coinbase. If signing up for that mining pool gave someone access to my account I dont understand why Coinbase didnt notify me while I was signing up for the mining pool that doing so would allow others access to my account. If they would have then I would not have signed up the mining pool. I found out after the fact that I was scammed by the mining pool and lost all my funds with Coinbase by going to XXXX and learning that others had also been scammed as well out of their Coinbase funds. Coinbase advertises they are obsessed with security so you dont have to be, so how did they allow this to happen to my Coinbase account without once notifying me that my account had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Champion Mortgage attempted to foreclose on the property at XXXX XXXX XXXX. XXXX, Massachusetts. Mortgage co. was sent debt verification requests under Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). 
Foreclosure was avoided at that time, but Respondents have NOT answered to ANY validation requests and are attempting another sale on FridayXX/XX/XXXX. 

Repeated correspondences, notices and warnings have gone entirely unrebutted and unanswered.Evidence gathered shows that respondents are Not the owners of the debt and do not have documentation and verification to foreclose on the collateral property. 

Under Misprison of Felony, 18 USC subsect 4, I am required to report felony fraud, theft, attempted robbery etc. to the nearest authorities. 

This constitutes notice of Felonies in open view.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a debt on my credit report for the amount of XXXX dollars for a XXXX  XXXX credit card that was issued in XXXX. It is a fraudulent debt because I was XXXX  from XXXX til XXXX in a XXXX XXXX. Therefore I would not have been able to apply for or use any lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX MEDICAL DATA SYSTEMS I ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ) has been sending me collection notices in the amount of ( {$790.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

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