BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As of right now, I have reached out letting AES/Pheaa know when a payment will be made. I have given them a Cease and Desist order which they continue to violate despite all my efforts at communicating back and forth with them and even scheduling payments. Going forward, a {$5.00} fee will be added for notifications that I receive that are out of spite and not in good faith. When AES/PHEAA sends an email every single day about the same past due verbiage even when the borrower already contacted the servicer letting them know when the payment will be made, it is my right to add inconvenience fees to be immediately deducted from the loan balance, or in part, AES will be charged these inconvenience fees. I may have agreed to be contacted about delinquency, but I definitely did not agree to the way they are reaching out and handling it. Any person who works for this company is turned into a zombie and made to abide by a system that is only out to profit as much as possible from the people who really matter in this world ( the people who actually work hard to get what they are paying ). The people who work in this company are clear and present liars. The fees still stand and AES owes them. AES owes me {$10.00} so far for repeated notifications that have wasted my time in the process even after I was diligent enough to send them emails letting them know when a payment would be made. What I'm confused about is why they even bother with allowing people to send them correspondence if they just continue to send the same garbage emails about delinquency after people had already contacted them about when a payment would be made. 

Check out this article where Senators are claiming that the CEO lied under oath. I'm going to send this to everyone I know. 

https : XXXX " XXXX then asked if the Education Department has ever penalized XXXX  for mismanagement, and XXXX said it had not. '' " But XXXX Department reviews suggested the contrary. XXXX and XXXX cited nine reviews since 2016 that revealed problems with the servicer 's implementation of XXXX, resulting in four corrective action plans and two fines, each more than {$100000.00}. '' Now how on Earth could this company expect its borrowers to have any trust whatsoever in this company with facts like the above? XXXX XXXX is eating too many Eclairs and counting his own dimes more so than protecting the interest of the borrowers. I'm going to write to XXXX XXXX and XXXX XXXX and explain to them my situation above. AES is coming closer and closer to forfeiture as a result of bad business and questionable behavior. There's also a matter of ethics that come into play.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wallet was stolen, reported to police, arrest warrant was issued, my cards were reported as stolen, new cards have been issued ( not received yet ), a fraudulent charge ( pending ) appeared on my citi account for {$20.00}, This was reported to citi in timely manner ( Citi ref. # XXXX ) ... ..All of this occurred on XX/XX/XXXX ... .the fraudulent charge ; [ XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX  CA XXXX ] ... .was reported to the XXXX XXXX Police Department also RE ; report XXXX XXXX ... ..The charge went from pending to being charged to my account ... .The funds {$20.00} has NOT been restored to my account! The overseas representatives for Citi are TOTALLY incompetent ... Furthermore, Regulatory action needs to be taken against this bank!

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 2022-01-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have two accounts with Chime, that is accessed through chime.com and the mobile app. During the last three months of XXXX ( XXXX, XXXX, XXXX ), I move funds into chime because I am readying a down payment for a house. 

After the new years into XXXX, I returned from vacation and things began to become bizarre with Chime. There was no access into my account from chime.com and the mobile app. I emailed to support@chime.com and there were no reply for over 6 business days. I spoke with my lawyer about this and he advised me to msg the cfpb about this as these so-called " fintech '' startups are typically becoming odd about quality of service. 

These behavior about Chime are very worrisome among many customers, my friends and myself. Chime have no physical branch, their support have become uncontactable and nonresponsive as stated. They provide no means to access my funds even after three levels of security with login/password, puzzle solving and telephone 2FA. I repeatedly pass all those and still no support msg and access to my funds. 

I tested my ACH transfer where money only can go in and no money can be ACH out even though its previously authenticated. I last check from friends that Chime is theatering customers to delay access to funds. 

I urge bank regulators to seriously review Chime 's startup business practices as described customer service behaviors are very bizarre and disturbing. 

The resolution I asked is the restoration of my account and funds without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: AL
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 AM A VICTIM OF IDENTITY THEFT. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

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 2022-06-18
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX # XXXX Dept of Ed XXXX # XXXX U.S dept of education XXXX XXXX XXXX XXXX XXXX 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 2022-01-18
Company: Experian Information Solutions Inc.
State: MI
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 filed a previous complaint and uploaded documents and the credit bureau didn't respond in the appropriate time frame. complaint number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a mailer from HSBC offering me {$300.00} if I open an Advance account. On XX/XX/XXXX, I opened an account and by XX/XX/XXXX, I have satisfied all the terms of the promotion. The mailer said that I should receive the bonus " approximately 8 weeks after completing all qualifying activities, '' which is the end of XXXX. On XX/XX/XXXX, I contacted HSBC by phone and the agent opened case XXXX. I checked the status of the case on XX/XX/XXXX and was informed that the " specialist '' has denied the bonus. Different agents gave me different explanations. The live chat support agent told me that " the payment was denied for not having the balance of {$5000.00} plus with direct deposits before XX/XX/XXXX. '' I deposited {$5000.00} to the account on XX/XX/XXXX. I received at least 5 direct deposits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, in the amount of {$500.00} each from my employer. The relevant part of the promotion terms ( part 3 ) unambiguously states : " For purposes of bonus, you must have at least one direct  deposit in calendar months of XXXX and XXXX ''. The supervisor of the live chat representatives asserted that i failed to maintain {$5000.00} in combined consumer checking and savings balances from XX/XX/XXXX to XX/XX/XXXX. However, my CD account had {$5000.00} in it from XX/XX/XXXX to XX/XX/XXXX. Finally, the phone agent told me that my direct deposits did not exceed {$3000.00}. However, the terms did not specify the minimum amount on the direct deposit. A bank obviously can set up this requirement but not after the customer accepted the original terms of the offer. I am under the impression that the bank is trying to deceit me as a customer and is trying to find a reason to decline the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report tax liens XXXX and XXXX. The XXXX XXXX XXXX XXXX enforced an initiative as of XX/XX/2017 that these tax liens must be deleted if not verified. Equifax has failed to verify these public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: Was not notified of investigation status or results

Complaint:
I have submitted my dispute letters on XXXX XXXX and was informed that they have not received my letters, I am submitting my letter through CFPB to ensure that they are delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed XXXX # XXXX U.S dept of education XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im a single mother I borrowed {$300.00} this pay back chart has paying back {$600.00} this is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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:
I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Earlier this year, Portfolio Recovery sued me for {$960.00} in regards to a previous XXXX XXXX credit card. They won ( case ( XXXX ) and my paychecks were garnished as of XXXX of 2021. The entire amount was paid in full on XX/XX/2021. They have yet to report the XXXX balance to my credit report, and when I dispute the amount they are claiming that it is unpaid. I have paystubs that show it was paid in its entirety as well as the court order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: NC
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 I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Personal information incorrect

Complaint:
To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially XXXX. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because XXXX, I get a message that says XXXX has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX ) and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.

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 2021-12-06
Company: Plastiq Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX dollars was taken from my account to pay a recipient for my bill but the recipient never received the payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Personal information incorrect

Complaint:
To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially XXXX. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because XXXX, I get a message that says XXXX has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX XXXX and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper is my mortgage holder. I was in forebarance which was slated to end as of XX/XX/2021. I applied to have my account brought out of forebareance and up to date in XXXX. The option they offered me in mid XXXX of a partial claim was not acceptable to me as this would not lower my payment and I am still struggling. Therefore, I denied the partial claim and asked for Post Pandemic Covid Modification which would be a parital claim and reevaluation of the loan thus making the payment lower and interest rate lower. I called a few weeks later to check the status of my request and was told it was successful and to expect to resume payments as of XX/XX/XXXX with a reduced monthly payment from {$2600.00} down to {$2400.00} as well as a reduced interest rate. I was comfortable with this and asked that the paperwork be sent. After waiting an adiditonal 2 weeks, without ant paperowork, I called again and was told that now they anticipated my loan to restart on XX/XX/XXXX ( Not XX/XX/XXXX ) and that my rate was going up and my payment would be {$2500.00} as opposed to {$2400.00}, which is still a reduction but because I am delayed an additional month the negative balance from that extra month as well as escrow got added on and the rates have changed. The bottom line is they are moving the goal post while refusing to send the prpoper paperwork to exit Forebarance. I have seen and read reviews where similar tactics were used in an effort for them to maintain the original payment and rate and therefore change nothing for the customer. I stress that I can not afford to make a {$2600.00} per month payment which is why I asked for the Covid Modification in the first place. If this continues and I have to wait until XX/XX/XXXX to make payments, we will be right back to that payment per month and than some. This predatory behavior is despicable and should be addressed immediately!!! Especially since I am trying to be a stand up person and repay my loan which they are not allowing me to do until it benefits them! I.e If my payments were reduced by {$200.00} they would be loosing money on me and so have now delayed the process on purpose which has now raised my payments and rate which is totally illegal! Please someone help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$460.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-08-26
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage from M & T Bank XXXX XXXX XXXX Tx XXXX XXXX My Name is XXXX XXXX Loan number XXXX ( and my property at XXXX XXXX XXXX  XXXX, IL XXXX The escrow account is not correct and they want me to pay $ XXXXas a shortage and they paid the insurance from my escrow account. 
This is not a small amount of money I should pay. 
The difference between the costs of the insurance company around {$250.00} increased and the difference between two years tax around {$400.00} so it should be around {$650.00} not {$1400.00}

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 2019-01-18
Company: Newman, Hesse & Associates, P. A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Sent me a letter threatening to garnish my wages without showing me any type of verification of a contract between me and them. And further more the supposed debt is 20 years old and the of limitations to collect in the state of Kansas is five years, furthermore I reside in the State of Texas, which means by law I fall under the state of Texas not Kansas. Which theirs is five years also which means the statue of limitations has expired and them trying to collect on such a debt is illegal.

Company response to consumer: Closed with explanation