BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is against Springleaf Financial. The loan was acquired in XXXX of 2007. The loan amount was for XXXX dollars. With interest it totaled XXXX dollars. I 've paid about XXXX. I still owe XXXX. How is that possible? I paid XXXX a month until they told me to pay XXXX a month. When you look at the payment history, some months nothing went toward the premium. Some months maybe XXXX or XXXX dollars went toward the principal. They are a rip off. How can you pay XXXX on a XXXX dollar loan and still owe XXXX dollars, which was what you borrowed. I saw some review about Springleaf on the internet and XXXX lady said she had the loan before she bought her car and has since paid her car off but still owe Springleaf XXXX dollars. Someone really needs to do something about them. They are taking people money. Especially the elder. The loan has really been paid off and they still want XXXX dollars. If nothing can be done, I 'm going to the media. I 'm also XXXX and have to get my daughter to deal with this problem. Also I have tried to get them to send me cancelled checks because they said I borrowed XXXX and XXXX after the intial loan which I did not. They can not show me who received the money because it was not me. They have no way of showing who received the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
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:
please removed these accounts 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2016-05-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Chase requested that I pay them for a delinquent credit card account. I asked for them to validate the account but they were not able to do so. Since they could not validate the account I requested they remove it from my credit file and not contact me any longer. They left it on my credit file and wrote the debt off sending me a XXXX to file with my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Vantage Sourcing, LLC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a new XXXX account on XXXX XXXX, 2015 and returned the device and cancelled the contract on XXXX XXXX, 2015. This was within the 14 day grace period as specified in the contract. I began receiving bills for an Early Termination Fee ( {$420.00} ) shortly after, and I contacted XXXX on XXXX separate occasions, once on XXXX/XXXX/15 and XXXX on XXXX/XXXX/15 where each time they assured me that the ETF was erroneous and would be removed. 

On XXXX/XXXX/15 I was contacted by Vantage Sourcing , LLC, a debt collector, claiming I owed {$420.00}. I have contacted XXXX many times since then, and after many hours on the phone they still will not remove the charge or even allow me to mail them proof that I returned the device and cancelled the contract within the specified grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Mid-Minnesota Management Services, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company ignored phone request and written request to verify debt yet continues debt collection. I understand that this company must be a poorly run collections agency that is trying to get by, but unfortunately for them they purchased debt that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THEY SENT ME TO A DEBT COLLECTOR CALLED NELNET. XXXX HAS THREATENED ME MY LIFE. AND SAID THEY WILL MAKE ME HOMELESS. THEY HAVE CAUSED ME MENTAL DISTRESS ON TOP OF MY PROBLEMS AND MARK MY WORDS IF NELNET DOES NOT LEAVE MY WAY OF LIFE ALONE I WILL XXXX THEM BEFOR THE END OF XX/XX/XXXX AND THAT 'S A PROMMISE CAUSE THEY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XX/XX/2022, I reported to SunTrust Bank ( now Truist ) that, on XX/XX/2022, it had cashed a check drawn on my account that was clearly a forgery. 
I had written a {$100.00} check to a charity ( XXXX XXXX Fire Department ) and mailed it during the week of XX/XX/XXXX. The check was somehow stolen from the US Postal Service, and then the payee and the amount was changed and raised to {$7500.00}. The check cleared and SunTrust debited my account. 
The payee on the forged check was a person unknown to me ( XXXX XXXX ) or ( XXXX XXXX ). 
XXXX was that the back of the check bore no resemblance to a SunTrust check. Moreover, the check appeared to have been cashed using a check cashing service. It may have not been financial service located in the United States.

The SunTrust bank manager agreed that the back of the check clearly was unlike the checks the bank issues to depositors and that the check did not appear to have been cashed at a bank. The SunTrust manager said he would report the matter immediately and the bank would conduct and investigation, which would involve the US Postal Service and other relevant authorities.

However, more than three months have passed and, despite numerous efforts on my part to request information and updates on the fraud, the response from SunTrust, including the Maryland area regional manager, is that the investigation is pending. 
Up to today, the bank has not restored the stolen funds, asserting that there have been so many such cases in recent months that the fraud investigators are overwhelmed and under staffed. 
It is my view that the banking system 's automated check clearance process should have caught this fraud, particularly when a check cashing service is being used rather than an established bank. 
SunTrust clearly has recourse to the parties involved in the fraud and can demand financial restitution from them. Moreover, the automated check clearance process will inevitably invite fraudulent transactions. The costs of such fraud should clearly be borne by the banks themselves ( and the banking system ) and this should be seen as a normal cost of doing business. 
I would appreciate your views of this matter and next steps that can be taken.

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 2016-06-03
Company: Citi Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Citi Management group has sent me a letter and called and threaten to send me to jail if I did n't pay ... .they sent me a letter of debt. but sent me a deferent person letter ... .I brought this to there attention and they resent me the same letter but just change the name 's. The account number stayed the same and the address from NC. now they are calling me from deferent number threaten me to pay this or it will be turn over to the court and I will have legal matters. And I explain to then the I would like to take care of this issue but all the information is in correct ... My last conversation the man told me he was sending a letter to my payroll department and collect from them ... and then this guy XXXX call back and told me that i was n't going scheme out of this and just hung up on me ... please help..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase, XXXXigital currency exchange platform co., for my XXXX savings. Coinbase took {$22000.00} USD out of my portfolio. Happened on XX/XX/2021. 
I never released any of my ID data, etc. to anyone. CB is making it very difficult to help me recover my funds. Said could not be traced? WHY? I think this was an " inside '' job. I am XXXX XXXX XXXX with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Most of my student loans have been serviced by Nelnet since starting college. Though I am grateful for anyone who helped me in my journey of achieving higher learning, the whole experience has not been pleasant. During my school term I faced both tragedy and hardship. I was forced to leave school and while doing that I was advised by the school 's financial advisor that after XXXX months my student loans would start to become due. Though I was battling homelessness, I still managed to call in and apply online for debt consolidation so that I can get in control of my finances. I chose to consolidate with Nelnet because they were already servicing most of my loans. I completed my consolidation application before the first payments were to become due on all of my loans. I subsequently called into the servicer and advised them that I was in the process of consolidating and was not working. The representative on the phone said that a consolidation application takes time to be approved but in the mean time she will make note of my lack of my income so that payment will not be due while the accounts are in the process of getting consolidating. I thought all was fine after doing my due diligence with Nelnet and keeping them in the know. Unfortunately, despite all my efforts of payment arrangements and promises from the Nelnet rep, I was notified through a free credit monitoring service that several accounts had become delinquent and my score plummeted very low. I am completely outraged by Nelnet 's inconsistencies and false reassurances. A total of XXXX ( XXXX ) account became immediately marked late by 90 days. Despite reporting in good standing the XXXX months prior too. It was completely unexpected and I have been disputing it since online to no avail. I then went further and wrote goodwill letters, as well as contacting the CEOs and all they do is forward me to the general customer solutions department to which they provided with inconsistent policies or ignore me entirely. As a result of their erroneous reporting I am not able to be approved for lines of credit and the defamation has prevented me from receiving unemployment. I hope this is the tool I need in order to receive the justice I deserve and get these 90 day late marks removed from all ( XXXX ) accounts that were already in the process of being consolidated with the same servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
paypal is advertising their fundraiser option, so I was thinking its a good idea to start a fundraiser in order to collect donations towards my art gallery project.

my fundraiser was approved by paypal, after receiving donations I got a weird email saying that the transactions are high risk and that I will get my money paid in 180 days. however I am still not able to access the funds and I believe paypal is a scam. my paypal balance is {$2400.00} and I can not withdraw the donations. please help me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Having trouble with my credit score reporting right and I am trying to get it solved, however none of the 3 bureaus ( transunion, XXXX and XXXX ) are willing to help and keep telling me to call the other to get my issue solved.

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 2016-09-22
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Loans opened on ( XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all show the same four late payments spanning XX/XX/XXXX and XX/XX/XXXX and I was a XXXX XXXX XXXX at the time and not in repayment. Please removed these from my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Ally noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with Ally on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through Ally for years, but this is an issue that is encouraging me to refinance my vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
they've attached a fraud account to my credit report I didn't notice until XX/XX/XXXX when account went bad ived tried several attempts to have remove to no avail there reporting as if there ford motor credit and its a third party collector law firm the account has been closed and written off there reporting month to month as being open and charging interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: SUNRISE CREDIT SERVICES, INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had XXXX XXXX  consecutively every month since XXXX of XXXX. When moving from XXXX Delaware to XXXX Delaware, they ( XXXX ) transferred my services to the new address. I still have current services with them about {$250.00} per month, for some reason they reported me to collections for an amount of {$93.00}. They have been no help with this matter. I continue to ask them how is it I have current services if I had owed you {$93.00} from 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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I purchased a vehicle on XX/XX/XXXX of XX/XX/XXXX at XXXX XXXX dealership. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XX/XX/XXXX the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing this complaint to remove information from my credit file. I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2016-06-23
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Doctors XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation